vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I

am filing a complaint regarding Wells Fargos failure to properly investigate and resolve fraudulent credit card charges and its continued reporting of false information to credit reporting agencies. A credit card account with Wells Fargo was compromised due to fraud. An unknown individual used my card number to book a hotel stay in the state of Ohio. I have never been to Ohio and did not authorize this transaction. I reported the fraud to Wells Fargo. Despite being notified that the charge was fraudulent, Wells Fargo sent the account to collections and continues to report it as legitimate. I have disputed this account multiple times with XXXX XXXX and XXXX. In each case, Wells Fargo has responded to the credit bureaus by verifying the account as accurate. Wells Fargos actions demonstrate a failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). Verifying a fraudulent transaction as legitimate after being notified of fraud constitutes the furnishing of inaccurate information to consumer reporting agencies. This inaccurate reporting has caused significant harm, including a material decline in my credit score and the denial of housing applications. This situ ation presents an imminent risk of housing instability. I have made repeated attempts to resolve this matter directly with Wells Fargo through multiple phone calls and departments. These efforts have been unsuccessful, and calls are frequently transferred, disconnected, or abandoned without resolution.

I am requesting that Wells Fargo : -Conduct a proper and documented fraud investigation ; -Immediately recall the account from collections ; -Correct all inaccurate credit reporting with XXXX XXXX XXXX and XXXX  ; -Provide

written confirmation that the fraudulent account has been resolved. I am requesting CFPB assistance due to Wells Fargos continued verification of false information and the urgent impact this matter is having on my ability to
secure housing.

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
On XXXX, placed an order with GAP, INC totaling {$180.00} that was never delivered. On XX/XX/XXXX, GAP customer service acknowledged that the order was lost and that GAP was at fault. But instead of issuing a refund, they directed me to a third-party claims administrator XXXX XXXX XXXX XXXX  ). 

I filed a claim on XX/XX/XXXX. This claim was automatically denied due to my return history, even though this situation does not involve a return but rather merchandise that was never received. Additionally, Ive always completed my returns in line with company policies. 

While there is technically a way to contest the denial, the process is confusing, time-consuming, and may take 24 weeks. I have already spent hours attempting to resolve this with GAP customer service and XXXX XXXX XXXX customer service. 

GAP has not refunded me for merchandise they confirmed was lost. I have opened a credit card dispute and am seeking a refund for goods not received. 

Order number : # XXXX XXXX  authorization ID : 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 monetary relief
Consumer complaint received 2025-12-26 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: DISCOVER BANK
State: GA

Complaint narrative:
i want the charge off on the closed accounts to be XXXX  & debt verified thru XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i want the charge off on the closed accounts to be reoved & debt verified thru e-OSCAR

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: SD

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 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 2025-12-26 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: SD

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 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am filing this complaint to dispute an auto loan account being reported by XXXX XXXX XXXX that is based on an illegal and unenforceable retail installment contract and is therefore inaccurately reported on my credit report. 

The underlying contract contains multiple federal Truth in Lending Act ( TILA ) violations, including but not limited to : Incorrect XXXX disclosure Undisclosed or improperly disclosed fees Inflated finance charges Illegal add-on products and charges Failure to accurately disclose the true cost of credit Because the XXXX and XXXX charge were misstated, the contract fails to comply with 15 U.S.C. 1638, rendering the agreement materially defective and unenforceable. Any credit reporting derived from a contract that violates TILA is inherently inaccurate and can not be lawfully verified under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Additionally, XXXX XXXX charged fees not properly disclosed at consummation, resulting in an artificially lowered XXXX and misleading loan terms. These violations deprived me of my right to informed consent and constitute unfair, deceptive, and abusive acts or practices ( XXXX ). 

Despite disputes, XXXX XXXX has failed to provide : A legally compliant contract Accurate XXXX calculations Proper itemization of finance charges Proof that the reported balance is lawful Under the FCRA, furnishers must conduct a reasonable investigation and delete information that is inaccurate, incomplete, or unverifiable. XXXX XXXX has failed to meet this obligation and continues to furnish false and misleading data to Experian, Equifax, and TransUnion. 

The continued reporting of this account is causing significant financial harm, including credit score damage, denial of credit opportunities, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: DE

Complaint narrative:
I am filing this complaint to dispute an auto loan account being reported by XXXX XXXX XXXX that is based on an illegal and unenforceable retail installment contract and is therefore inaccurately reported on my credit report. 

The underlying contract contains multiple federal Truth in Lending Act ( TILA ) violations, including but not limited to : Incorrect XXXX disclosure Undisclosed or improperly disclosed fees Inflated finance charges Illegal add-on products and charges Failure to accurately disclose the true cost of credit Because the XXXX and XXXX charge were misstated, the contract fails to comply with 15 U.S.C. 1638, rendering the agreement materially defective and unenforceable. Any credit reporting derived from a contract that violates TILA is inherently inaccurate and can not be lawfully verified under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Additionally, XXXX XXXX charged fees not properly disclosed at consummation, resulting in an artificially lowered APR and misleading loan terms. These violations deprived me of my right to informed consent and constitute unfair, deceptive, and abusive acts or practices ( XXXX ). 

Despite disputes, XXXX XXXX has failed to provide : A legally compliant contract Accurate APR calculations Proper itemization of finance charges Proof that the reported balance is lawful Under the FCRA, furnishers must conduct a reasonable investigation and delete information that is inaccurate, incomplete, or unverifiable. XXXX XXXX has failed to meet this obligation and continues to furnish false and misleading data to Experian, Equifax, and TransUnion. 

The continued reporting of this account is causing significant financial harm, including credit score damage, denial of credit opportunities, and emotional distress.

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a high tier ( XXXX XXXX level ) customer of Bank of American ( BoA ), and I had four credit cards from BoA including three Unlimited Cash Rewards credit cards ( ending with XXXX, XXXX, and XXXX, I had these cards over 13 years ) and one XXXX  XXXX credit card ( ending with XXXX, I had this card for about 1 year ). I had never missed a payment to any of the four BoA credit cards since I had them. As a matter of fact, I had never missed any payment to any of my credit cards with BoA and/or other credit card issuers. However, when I logged into the BoA app on my phone on XX/XX/year>, trying to pay the statement balance for the card ending with XXXX, I saw two of my BoA credit cards ending with XXXX and XXXX disappear from the BoA app. I call the phone number XXXX ( XXXX  XXXX credit card ) on XX/XX/year> and was told the card was closed, and I needed to call the BoA XXXX  department. I was given a reference number ( ref # : XXXX ). On XX/XX/year>, I called the BoA XXXX  department at XXXX. The representative told me that BoA had closed all of my four BoA credit cards because of the transaction pattern on one or more of my credit card ( s ). The representative told me she could not give me any other details regarding the closure. Additionally, the representative told me that my accumulated cash rewards of over {$980.00} ( from my cards ending with XXXX and XXXX ) were also wiped out and BoA will not give the cash rewards back to me. 

As a high tier ( XXXX XXXX level ) BoA customer and a very long time ( XXXX years ) BoA credit card holder, I had never missed a credit card payment and I have very good financial health. However, BoA gave me no prior warning before they closed all of my credit cards, and no explanation or any kind of notification after they closed all of my credit cards. I am really disappointed at the way BoA treats its long-time and loyal customer. What worries me more is the uncertain damages of this abrupt, baseless, and harmful closure to my credit score ( I currently have XXXX XXXX score based on XXXX data ), especially during a time that I am preparing to buy a house.

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 2025-12-26 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Your Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, State ZIP : XXXX, IL XXXX Date of Birth XX/XX/XXXX SSN : XXXX RE : Metro 2 Compliance Dispute Inaccurate Account Status Reporting To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the following tradeline currently reporting on my credit file : Creditor : XXXX XXXX Account Number : XXXX Account Type : Installment Loan Opened : XX/XX/XXXX Closed XXXX This account is reporting with contradictory and inaccurate status information. Specifically, the tradeline is coded as CHARGED OFF ACCOUNT ; while simultaneously reporting an open account status, a past-due balance, and ongoing monthly updates. 

Under Metro 2 reporting standards, an account can not be both charged off and open as an active installment obligation. Once an account is charged off, it must be reported as closed with the appropriate charge-off status code, and must not continue reporting as an active monthly obligation.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), TransUnion/Equifax is required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. 

Please provide verification of this tradeline using complete Metro 2 data elements, including but not limited to : Account Status Code Payment Rating Date of First Delinquency Charge-Off Indicator and Date Balance and Past-Due Amount Calculation Scheduled Monthly Payment Compliance Condition Code If this account can not be fully verified and reported in a Metro 2-compliant manner, it must be corrected or deleted from my credit file.

Please note that automated or summary verification does not satisfy the requirements of the Fair Credit Reporting Act.

I request written confirmation of the results of your reinvestigation within the statutory timeframe. 

Sincerely, XXXX XXXX ENCLOSE WITH LETTER Copy of ID Proof of address ( utility bill or bank statement )

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/year>, myself and my son had went to Wells Fargo bank located at XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX. I was next in line and i had told the bank teller that i wanted to make a withdraw from my account the bank teller tells me to enter my card into the card XXXX the bank teller asks me how much did I want to withdraw from my account? And I told her {$10000.00} dollars she said that the system wouldn't let her so i suggested XXXX dollars the bank teller tells me that the system wouldn't let do that amount nether and the bank teller gave me a card to call customer service. So me and my son went back to the vehicle in Wells Fargo Bank parking lot and I called customer service, customer service. Confirmed that I did not have a hold on my account. And that I should be able to withdraw my funds. So I asked customer service to stay on the phone with me while I reenter wells Fargo bank. And I saw the bank teller, give a white man, I'm a XXXX man a larg withdral from his account, and when I made it to the bank teller again and i told the bank teller that I had customer service on the phone. The bank teller started to get real aggressive with and telling me that she wasn't gon na give me any of the banks money. And that I needed to get out the bank and get out her line. So she could take care of the next customer the bank teller was real aggressive I was so embarrassed for my son to see that happen to me the lobby had a lot of other customers in wells fargo Bank while this took place i fill discriminated against " banking while XXXX '' i was refused from withdrawing money out of my account that I had And customer service heard the whole thing. And when I left out of wells fargo Bank, customer service asked me, if i wanted to file a complaint? And I did file a complaint but when wells fargo Bank did they investigation not once but twice the bank sent me their findings, they said that it wasn't no discrimination. And the bank teller gave the white man {$6000.00} in small bills, but the bank teller told me that I couldn't Get no money out my account and the bank teller didn't ask me if small bills was okay.

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 2025-12-26 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: SC

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 2025-12-26 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: CA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents XXXX submitted so that I wont have to worry about this problem again.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TX

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 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