vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
My card was utilized with XXXX within one hour to go $ XXXX over my allowed balance. There was no fraud alert sent. I contacted them immediately, they reversed the charges. The items still came to my home. I have been contacting them for over a month to have these items returned, they have refused a return authorization or to work with me. I reminded them today the liability for these items fell on them today, and my credit card balance went from about {$3600.00} to approximately $ XXXX. They say they are going to charge me approximately $ XXXX on XXXX the XXXX knowing I am moving my banking to another institution. They are retaliating and attempting to ruin my credit/liquid assets. They have removed my online access so I can not see this. They claimed it was a VoIP verification issue, they claimed they can not help me. I have this man XXXXXXXX XXXX  stuff in my home and do not wear men 's sneakers or skateboard ( the items in question ). XXXX uses audio software to manipulate a ton of things. I am happy to discuss their illegal gambling, giveaway rigging, swiping software manipulation, premier status not being legal ( given preferential treatment, taken as a punishment vs their legal XXXX  ) and other issues. The seller XXXX queued me into the audio manipulation via his computer 's plug in issues and I have been investigating ever since. Thank you ( please contact me ). I do not consent to these purchases nor their desire to tank my credit and liquid assets in order to silence me or to retaliate. Take XXXX 's stuff back to him and give me my money back. They have flopped back and forth on refunding me because I mentioned fraud within XXXX as well ( now published via the media - I have proof of this and have alerted Wells Fargo prior to the publishing if this information ). I have more audio proof of this than will be accepted on this form and the XXXX recall info is available online. XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Please contact me. I am seeking a refund for this issue. They have replaced my cards multiple times ( I have proof of this as well ). I need back into my Wells Fargo account, and at this point would never trust banking nor utilizing a credit card with them 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 2025-08-01 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: NJ

Complaint narrative:
The accounts being reported under my name were opened and reported without my knowledge, authorization, or consent. I have never managed or approved these accounts, and their presence on my credit report is entirely unacceptable. This false information misrepresents my financial history and is causing significant concern. 

I take the accuracy of my credit profile very seriously. I need immediate clarification as to how these accounts became associated with my name and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I was scammed into sending XXXX XXXX XXXX payments ( {$100.00}, {$500.00}, and {$500.00} ) using my SoFi XXXXlinked account. I believed I was making a legitimate transaction, but it turned out to be a scam. 

I reported the scam immediately to XXXX ( on XX/XX/XXXX ) and to SoFi ( on XX/XX/XXXX ), once the transactions posted. I explicitly described that I had been manipulated and deceived a textbook case of social engineering fraud. 

Despite acting quickly and responsibly, SoFi denied my dispute on XX/XX/XXXX1 without a clear explanation. I believe this decision violates XXXX Zero Liability policy, which protects cardholders against fraudulent use, including scams involving coercion or deception. 

I am requesting that SoFi reopen my claim, honor Mastercards policy, and provide a fair fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was defrauded into sending {$4100.00} to an individual in the XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on my Chase XXXX Visa card. This was not a legitimate purchase, as it was the result of coercion and fraudulent misrepresentation. 

I contacted Chase to dispute the charge, but they refused, stating that Visa disputes must be filed within 118 days. Fraud, however, is not subject to an arbitrary dispute window. Chase has refused to review or investigate this case simply because its too old, despite the fact that it was a scam. 

What I am Requesting : I am requesting that Chase : Open an investigation into this transaction as fraud, not a standard billing dispute. 
Issue a provisional credit while they investigate. 
Provide me with documentation of any internal policies that justify refusing fraud investigations past 118 days. 

Additional Details : Amount : {$4100.00} Card : Chase XXXX Visa Date of transaction : XX/XX/year> Supporting evidence : I have documentation ( messages, receipts ) showing this was a manipulative scam and part of a pattern by this individual, resulting in an open and active criminal police investigation. I have reference numbers to the case, detective names in both the XXXX and the XXXX. 

Chase has a duty under the Truth in Lending Act ( Regulation Z ) to fairly investigate claims of fraud. Simply saying the window has closed is not a valid reason to refuse review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-01 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: CA

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: MO

Complaint narrative:
WSTLAKESVC is falsely reporting on my credit. I have never had any accounts with them. Per my research WSTLAKESVC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities, and these fraudulent items have hindered my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities, and these fraudulent items have hindered my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hello, Discover reported a late payment on my account on XX/XX/year>, but they later confirmed it was caused by an autopay error on their end. They refunded the late fees and acknowledging their mistake. Im requesting removal of this inaccurate late payment from my credit report. 

Since the late charge was incorrect and refunded, Im requesting the removal of the related late payment from my credit report. Please find the supporting documentation attached as proof of the error and three {$41.00} late fee refund. 

I appreciate your attention to this matter and ask that you update my report to reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-08-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm filing this complaint again because I'm disputing the same unauthorized inquiries with Equifax that I already reported previously. When I pulled my updated credit report, I saw that the inquiries are still showing. I originally submitted a complaint through the CFPB on XX/XX/XXXX and uploaded all necessary documents, including my FTC Identity Theft Report, a copy of my government-issued ID, and a copy of my credit report with the unauthorized inquiries clearly marked. However, when I called Equifax on XX/XX/XXXX to follow up, the representative ( XXXX XXXX told me that the reason they didnt take any action was because they never received the supporting documents. He explained that CFPB may have sent them my complaint text, but not the attachments. Thats why the reinvestigation never happened and why the inquiries were not removed.

This is frustrating because I followed the proper steps, submitted everything through CFPB, and assumed it was all forwarded to Equifax. Im now resubmitting the same dispute, but I want to make sure this time that all my documentation is actually provided to Equifax. That includes my FTC Identity Theft Report, my valid ID, proof of address, and the marked-up credit report showing exactly which inquiries I'm disputing. These inquiries were made without my consent, and Equifax has no right to continue reporting them without written proof that I authorized each one. This is a direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, which requires a permissible purpose and proper authorization for any credit pull.

If Equifax can not verify that I gave permission for these inquiries, they are required under 15 U.S.C. 1681i to remove them from my credit file. I also request that Equifax send me an updated copy of my credit report after their reinvestigation is completed. CFPB, please make sure that Equifax receives not just this complaint, but also every document Ive submitted with it. I should not have to go through this process again because the attachments werent delivered the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bright Capital Inc
State: TX

Complaint narrative:
I am experiencing serious issues with Bright Money that are negatively impacting my credit. 

I sent multiple emails to Bright Money requesting to close my account when my balance was {$0.00}. Despite this, my account remains active, and a {$7.00} balance appeared without explanation after my closure request. I never authorized this charge, and it should not exist. 

Now, Bright Money is reporting my account as delinquent to the credit bureaus, which has harmed my credit score. I have tried to contact them repeatedly via email and phone to resolve this matter. Emails go unanswered, and their phone system only routes to automated bots without an option to speak to a live agent. 

Bright Money did respond once with instructions to close my account, but I can not log in to follow those steps. I have told them this, but they have not provided any alternative solution or assistance.

I am requesting the following : 1. Immediate manual closure of my Bright Money account since I can not log in.

2. Removal of the invalid {$7.00} balance.

3. Deletion of all negative/delinquent credit reporting that resulted from this error.

4. Written confirmation that my account is closed and no further reporting will occur.

This is a clear case of inaccurate billing, failure to honor account closure requests, and incorrect credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities, hindering my ability to achieve important financial goals such as purchasing a home and meeting my family 's needs. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

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 2025-08-01 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00}

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm contacting you regarding fraudulent accounts on my consumer report linked to identity theft. I never authorized these accounts with a wet signature or any written consent. Despite previous communication with your organization, these inaccurate items remain on my report, causing significant emotional and financial distress by misrepresenting my credit history. These fraudulent entries have prevented me from achieving important financial goals like purchasing a home and supporting my family properly.

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 2025-08-01 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
ON OR ABOUT XX/XX/XXXX, I HAD TWO TOILETS OVERFLOW. I CALLED A COMPANY CALLED ABSOLUTE XXXX XXXX XXXXXXXX, CA. 
( THIS IS A LONG STORY ) THE COMPANY SENT SOMEONE OUT AND INSPECTED THE PROBLEM. THEN ABOUT XXXX PLUMBERS SHOWED UP THE NEXT DAY AND STARTED THEIR PLUMBING REPAIRS. I TOLD THEM NOT TO PUT ANY HOLES IN MY WALLS. I WOUND UP WITH ABOUT XXXX TO XXXX LARGE HOLES IN MY HOUSE WITH PIPES EXPOSED EVERYWHERE. 

IN THE GARAGE, XXXX PLUMBERS SEEN A SMALL LEAK IN MY WATER HEATER AND TOLD ME THAT COULD BE CONSIDERED " CONSIDERED ABUSE ''. WHAT!!!! BEFORE I KNEW IT, I HAD A NEW HOT WATER HEATER IN MY GARAGE. WOW! 

I OVERHEARD XXXX OF THE PLUMBERS SAY THIS JOB WILL COST AROUND {$45000.00}. I THOUGHT HE WAS KIDDING. THEN, A GUY ASKED ME TO COME OUTSIDE FOR A MOMENT. I WENT OUTSIDE AND HE ASKED ME TO SIT DOWN AND WRITE HIM A CHECK FOR THE {$45000.00} FOR THE COST OF THE JOB. WHAT?!!! I TOLD HIM I ONLY HAD {$300.00} IN MY BANK ACCOUNT SO I WON'T BE ABLE TO DO THAT ( STILL THINKING HE WAS KIDDING ). THEN HE SAID I HAD TO SIGN A DOCUMENT TO ASSURE PAYMENT OF THE {$45000.00}. I THOUGHT HE WAS FROM MY HOMEOWNERS INSURANCE COMPANY, SO, I PROCEEDED TO SIGN AND TWO DAYS LATER I GOT A CALL FROM A LOAN COMPANY CALLED GOODLEAP SAYING I HAD GOTTEN A {$45.00} LOAN AND MY PAYMENTS WILL BE {$580.00} A MONTH. WHAT?!!! I AM XXXXXXXX XXXX XXXX AND I CERTAINLY DID NOT TAKE OUT A LOAN LIKE THAT KNOWINGLY. MUCH MORE HAPPENED THAT INCLUDES THE DEATH OF MY SON, ONLY CHILD. SO MUCH MORE. 
I AM BEING HASTLED NOW FOR PAYMENTS WHICH I ABSOLUTELY CAN NOT PAY AND I SHOULD NOT HAVE TO PAY IT ANYWAY. BOTH OF THESE COMPANIES HAVE REALLY BAD REPUTATIONS. I WILL BE GLAD TO COMPLETE MORE OF MY COMPLAINT. LATER. PLEASE EMAIL ME AND LET ME KNOW WHAT CAN BE DONE.

Company response to consumer: Closed with explanation