vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
I am disputing inaccurate information reported by Equifax on my credit report for XXXX XXXX XXXX XXXX XXXX. Equifax is listing a late payment that does not reflect my actual payment history and may be the result of an error or unauthorized reporting. The Fair Credit Reporting Act requires credit bureaus to report only accurate and verifiable information and to investigate consumer disputes promptly. This erroneous information has severely impacted my credit, business, and housing access. Under 15 U.S.C. 1681a ( 4 ), I have the right to control information in my report, and reporting without my consent violates 15 U.S.C. 1681b ( 2 ) and 1681c-2. Failure to correct this error is willful noncompliance under 15 U.S.C. 1681n and 1681o, exposing XXXX  to statutory damages up to {$1000.00} per violation. I request immediate action to investigate and fix this inaccurate entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Subject : Request for Financial Audit and Suspension of Payments for Sam 's Club Credit Card Accounts To Whom It May Concern : I am writing to formally request a comprehensive financial audit of my Sam 's Club Personal Credit Card ( Account # XXXX ) and Sam 's Club Business Credit Card under XXXX, XXXX ( Account # XXXX ). Additionally, I request that all payment obligations be suspended until the completion of this audit. 

Background : I have consistently made bi-monthly payments, striving to pay off balances in full. Despite these efforts, I encountered several issues : XXXXmproper Payment Processing : On XX/XX/year>, a payment was applied to the wrong account. 

Subsequent payments were returned, including : XX/XX/year> : {$170.00} XX/XX/year> : {$220.00} XX/XX/year> : {$170.00} XX/XX/year> : {$89.00} XX/XX/year> : {$300.00} XX/XX/year> : {$73.00} XX/XX/year> : {$73.00} Account Closures Without Proper Justification : On XX/XX/year>, I was informed that both accounts were closed, despite a recent credit line increase. 

My business account had no outstanding balance at the time of closure. 

Continued Deductions Post Account Closure : Although, I had thousands of dollars in my XXXX XXXXl Checking account, my payments were returned from my bank. I suspect that payments continued to be deducted from my money market account even after the credit card accounts were closed. 

Lack of Resolution : Upon discovering the account closures, I spoke with a manager who assured me of an investigation.

To date, I have not received a satisfactory resolution or explanation. 

Request : I respectfully request the CFPB to : Initiate a thorough financial audit of both accounts to identify and rectify any discrepancies. 

Ensure that all payment obligations are suspended until the audit is complete and all issues are resolved. 

I believe these actions are necessary to address potential violations of consumer protection regulations and to prevent further financial harm. 

Thank you for your attention to this matter. 

Sincerely, [ Your Full Name ] [ Your 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 explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I recently reviewed my credit report and was surprised to find that I have fallen victim to identity theft. There is an account listed that I do not recognize, and I kindly request its removal from my credit report. This situation negatively affects my ability to obtain credit, and I would greatly appreciate your prompt assistance in resolving this matter. Thank you for your attention to this critical issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
I recently reviewed my credit report and was surprised to find that I have fallen victim to identity theft. There is an account listed that I do not recognize, and I kindly request its removal from my credit report. This situation negatively affects my ability to obtain credit, and I would greatly appreciate your prompt assistance in resolving this matter. Thank you for your attention to this critical issue. 

XXXXXXXX XXXX XXXX XXXX US Department of Education-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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I, the cardholder opened a Wells Fargo ( WF ) credit card, activated it, and attempted to access my online account with difficulty due to WF claiming the number I applied with could not be used for authentication and I must visit a branch far from my residence despite allowing me to apply with that number and despite other major banks ( XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX ) accepting it for both applications and verification and never requiring in-person visits for changing a phone number. After XXXX different agents, I finally got XXXX to change my number and get me online access. Less than XXXX hours later and only XXXX transaction, my account was frozen. Wells Fargo cited an unrecognized phone number that called their automated service line as the issue. 

Customer service said I could not verify or even cancel the card over the phone and must visit a branch. This is not possible for me due to work commitments and the distance to the nearest branch. When I called back, I was subjected to an excessive identity verification process : confirming my name, address, XXXX, last XXXX of XXXX, a single {$600.00} transaction-the only XXXX made on the card, linked wallets ( XXXX XXXX, and XXXX which phone numbers I used to call them. I provided all answers, including calculating my age from my DOB per their insistence, yet they froze my account because one of the phone numbers I called from wasnt on file. They even locked me out of online and phone app access-something none of the above mentioned XXXX banks ever did-even when investigating possible fraud, where online access was even the way to verify fraud inquiries. 

I was told cancellation is only possible in person or if I get lucky with a different agent. I tried a second agentsame refusal. 

Ive never encountered such rigid and customer-unfriendly policies with any other bank. Ive had the card for less than XXXX hours, used it once, and now XXXX locked out and unable to cancel. Never have I had a bank freeze my credit card due to not recognizing a phone number that called into them on the day the card was activated no less.

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 2025-05-15 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I amcomplaining on an excess wear-and-tear charge of {$1000.00} assessed by GM Financial after returning XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX : XXXX ). 
XXXX ) GM Inspection report shows they charge us {$470.00} for replacing tires. The vehicle was returned with XXXX fewer miles than the lease allowed. The tire condition is regular wear and tear for the lease period. Since we havent even driven for the allowed mileage and GM Financial is trying to charge us for that is an unethical business practice. 
XXXX ) Even with tire cost their own inspection report showing XXXX but they try to charge us {$1000.00} with no explanation for the additional {$220.00}. 
XXXX ) Even other charges are for minor surface scratches, which fall well within normal wear and tear after a XXXX lease. 

Their customer representative said they will waive the full amount if we lease another vehicle once we return the car. This is very unethical way to do business. Threatening to charge us if we dont go for a new lease is way beyond ethical business practice. 
The vehicle was returned in excellent condition and with XXXX fewer miles than the lease allowed. We have always paid on time and been a loyal customer. 
This appears to be an unfair and arbitrary charge. I am requesting that GM Financial void these charges and issue a corrected final bill showing no balance due. At least waive the {$470.00} tire fee and {$220.00} additional fee than their inspection report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Achieve Personal Loans Account # XXXX To Whom It May Concern, I am filing this formal complaint against Achieve Personal Loans regarding their mishandling of account number XXXX, as referenced in the attached statement dated XX/XX/XXXX. 

I have submitted lawful payments and commercial remittance instruments intended to satisfy the alleged obligation in full. Despite this, Achieve continues to report a balance and has failed to apply the credits properly, violating multiple provisions of federal law.

The company 's failure to honor lawful discharge and to provide accounting transparency constitutes violations under : - The Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) - The Fair Credit Reporting Act ( FCRA ) - The Real Estate Settlement Procedures Act ( RESPA ) - And possible violations of UCC Article 3 ( Negotiable Instruments ) and Article 9 ( Secured Transactions ) This conduct has caused personal and financial damage, including harm to my creditworthiness and emotional distress.

I formally request the following : 1. Identification of the current assignee or investor of the alleged debt.

2. Full transactional ledger showing all debits, credits, third-party offsets, and internal adjustments from origination to present.

3. Documentation of lawful consideration exchanged for the promissory note.

4. Certified two-party agreement between Achieve and XXXX XXXX XXXX XXXX XXXX ink signatures. 
XXXX. Return of the original promissory note, if retained, as required under federal banking and contract law. 
XXXX. Explanation for any charge-offs, internal settlements, or third-party sales that may have occurred.

7. Immediate correction of any credit reporting violations made to bureaus. 
XXXX. Compensation for violations and harm caused, including : - {$1000.00} statutory damages under TILA - Actual damages for denial of credit or harm from inaccurate reports - Emotional distress and reputational damage - Administrative and legal costs incurred in pursuing this complaint Please consider this a good-faith attempt to resolve a serious violation of financial law and consumer protection. I expect a response within thirty ( XXXX ) days as required under CFPB and federal enforcement guidelines. 

Sincerely, [ Signed Electronically ] XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Wells Fargo Regarding Personal Loan Account # XXXX To Whom It May Concern, I am submitting this formal complaint against Wells Fargo Bank , N.A . concerning their mishandling of a personal loan account associated with Account Number XXXX. 

Despite having submitted payments multiple timesincluding endorsed remittance coupons and lawful non-negotiable instruments intended for discharge and settlementXXXX  XXXX has failed to apply these credits to my account. Instead, the bank proceeded to charge off the account, while continuing to report an outstanding balance to consumer reporting agencies. 

Their conduct constitutes a willful violation of my rights and protections under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), the Fair Credit Reporting Act, RESPA, and other relevant federal banking regulations. These violations include, but are not limited to : - Failure to acknowledge and apply submitted payments. 
- Continuing to report inaccurate and damaging information to credit bureaus. 
- Refusal to validate or verify the debt upon request. 
- Failure to provide disclosures of material loan terms and lawful consideration. 

This has caused substantial harm to me personally and financially. My credit standing has suffered, Ive experienced emotional stress, and I have been denied fair access to other financial services as a result of Wells Fargos noncompliance and deceptive practices. 

Accordingly, I demand the following : 1. Identification of the current assignee, investor, or holder in due course of this account.

2. A complete and itemized account ledger, showing all transactions, credits, offsets, third-party payments, and charges since account inception.

3. Proof of equal value consideration at origination and at every assignment or securitization event.

4. A certified two-party contract agreement between Wells Fargo and Ram Krishna Naidu , bearing wet ink signatures.

5. The original promissory note, if it exists, to be returned to me immediately, as required under UCC and banking contract law.

6. A detailed explanation for the alleged charge-off and documentation of the accounting process used.

Pursuant to the Consumer Financial Protection Act, I request an immediate investigation into these matters and a formal response within thirty ( 30 ) days. 

I reserve all rights and remedies under law and equity. This complaint is submitted in good faith for resolution. 

Sincerely, [ Signed Electronically ] XXXX 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/year> I opened a checking account with Citibank with a {$750.00} bonus offer for depositing {$30000.00} into the account within 45 days and maintaining a {$30000.00} balance for 45 days after the XXXX day. 

I complied with the terms of the offer and on XX/XX/year> I asked a chat agent why the bonus had not been deposited to my account. The agent informed me that I made deposits via " debit card funding '' and my ACH transactions violated the terms of the bonus because I had not " linked my accounts. '' It seems as if the agent was inventing reasons for my ineligibility. 

All funds transferred were New-to-Citibank funds as any reasonable person would understand the term. No debit cards or debit card numbers were used in any deposits made to the account. Only account and routing numbers between the sending and receiving banks were used. The terms do not specify any " account linking '' required for an ACH transfer.

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Subject : American Express Denied Welcome Bonus Despite Fulfilling All Requirements I am filing this complaint regarding a denied welcome offer on the American Express XXXX XXXX, which I applied for in early XX/XX/year>XXXX  through the official Amex website. 

At the time of application, I was clearly presented with an offer to earn XXXX Membership Rewards points after spending {$8000.00} within the first 6 months. I accepted the offer, completed the spending well within the required timeframe, and also paid the {$690.00} annual fee. 

However, American Express has refused to issue the bonus. Ive contacted multiple representatives, and have received inconsistent and unsatisfactory explanations : First, I was told I was ineligible because I had held a XXXX XXXX XXXX XXXX  a no-annual-fee, no-rewards card that is in no way comparable to the XXXX XXXX 
Then, I was told a pop-up was shown during the application process informing me of my ineligibility. This is false. No such pop-up or warning was ever displayed and I absolutely would not have applied had I seen one.

Moreover, I was told that a comprehensive internal review determined that I did not qualify. This reasoning is even more absurd. I have an excellent credit score, a long history of responsible credit usage, no missed payments, no closed accounts, and this is my first-ever Amex card with an annual fee. There is no justifiable reason to deny the bonus under any such review. 

The key issue here is not just the denial of the points its the fact that American Express failed to clearly and explicitly inform me that I was ineligible for the welcome offer at the time of application. 

This situation is a clear case of false advertising and deceptive business practices. I applied and spent {$8000.00} in good faith, based on the belief that I qualified for the offer, as no warning or disclosure to the contrary was presented. It is unfair and deceptive to accept my application, my spending, and my {$690.00} annual fee, and only later tell me I was ineligible without any prior notice or consent. 

I have made multiple good-faith attempts to resolve this with American Express . They have repeatedly refused to honor the offer and have failed to provide any documentation showing I was warned of ineligibility at the time of application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am in the process of liquidating my property to pay Shellpoint off, in full. I have several other liens on my property, including IRS tax liens totalling over {$180000.00}. Furthermore, I have my Congressman 's office assisting me with the IRS, in addition to my real estate broker, XXXX XXXX, and his escrow company, XXXX XXXX. We are working as hard as we can to get the lien releases needed from the IRS in order to close escrow. I am attaching the purchase contract and all the liens on title that my broker is helping me to negotiate so we can close, and I can avoid foreclosure.

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX and XXXX recieved my full payment for my outstanding debt on XX/XX/XXXX. It processed on XX/XX/XXXX. Despite this, my income is still being garnished. I asked the office repeatedly for a timeline for the notice that my account was closed to be sent to the court, and they refused to answer me. They are still actively garnishing my wages ( XXXX a month ) and this is impacting my other finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
Overpayment of {$450.00} was made when a loan was paid off via refinance with a private lender XX/XX/XXXX. The overpayment was not redfunded to myself self, the private lender, or credited towards other federal student loans. I formally request a refund XX/XX/XXXX. I called again XX/XX/XXXX. No one is able to access the account that was closed since its on an old platform. The ticket from XXXX is still open. Mohela refuses to call to provide any update. Mohela did not respond timely to a XXXX  complaint. The complaint was opened XX/XX/XXXX and they responded XX/XX/XXXX that they are investigating and have no time frame. Mohela refuses to send a statement showing balance before and after payment XX/XX/XXXX.

Company response to consumer: Closed with explanation