vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-08 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-04-08 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-04-08 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: WI

Complaint narrative:
XXXX XXXX has shown up as the original creditor on two fraudulent accounts that have since been removed, however they are back again under another name : XXXX XXXX XXXX. I have not entered any contract with them nor done business or anything, never even heard of them. My information is being illegally used and sold, and I reached out before now this is me reaching out again. It is the job of the credit bureaus to ensure maximum accuracy before reporting per 15 USC 1681e ( b ) and i expect this to be handled immediately and a note be placed that if any collection shows up with " XXXX XXXX  '' as the original creditor it be flagged as fraudulent or investigated deeper. This is my third time addressing this issue, the next time will result in legal action which will only guarantee legal fees. i have also already submitted an ftc report for the previous collection XXXX XXXX XXXX which is the same " 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 2025-04-08 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: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
Subject : Complaint Against Milestone Credit Card / XXXX XXXX XXXX XXXX for Deceptive and Predatory Practices Dear [ CFPB ], I am filing this complaint against Milestone Credit Card / XXXX XXXX XXXX XXXX due to predatory and deceptive practices that have caused me significant financial and emotional harm. Their terms and conditions are deliberately written to shield them from liability, silence consumers, and prevent accountability, all while exploiting low-income users and those attempting to rebuild their credit. 

I was approved for a Milestone credit card with a {$500.00} limit. After activating my card and using less than half of the available limit, I was suddenly notified that my transactions were being declined. In response, I contacted Milestone twice on XX/XX/XXXX, at XXXX XXXX ( for XXXX minutes ) and again after faxing my documents at XXXX XXXX ( for XXXX minutes ). Both calls confirmed that my account was locked, but no official document or email was sent to verify this, which contradicts their stated commitment in their privacy policy to promptly communicate about account issues. 

I was instructed to fax three documents to verify my identity : a copy of my ID, proof of address, and SSN. I followed the instructions precisely, uploading the front and back of my ID, proof of address, and a cover page. However, my fax was immediately rejected, with no clear explanation. The rejection reason cited was vague and failed to align with the terms they outline, which clearly state that three documents, not including a cover page, should be uploaded. 

Despite their stated commitment in their privacy policy to resolve complaints and communicate with you about your account, I have yet to receive any clear communication explaining the delay or rejection of my fax. I was informed that the processing time could take 5-7 business days, which is an unjustifiable delay when faxing typically takes much less time for review ( usually within 30 minutes ). 

Furthermore, according to their privacy policy, Milestone collects detailed personal information and shares it with third-party service providers and credit reporting agencies to process your requests for credit and resolve complaints. If this is indeed their standard practice, why was my identity verification process delayed without clear justification or communication? This lack of transparency and failure to adhere to their own privacy policy demonstrates a breach of their responsibilities to me as a customer. 

I am requesting that my identity be verified, and my account be unlocked immediately so I can access the available credit to which I am entitled. The ongoing delays, lack of transparency, and failure to adhere to their privacy policy are unfair, deceptive, and harmful. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NV

Complaint narrative:
Wells Fargo failed to comply with its legal obligations under the Fair Credit Billing Act ( FCBA ) and Regulation Z ( 12 CFR 1026.13 ) in its handling of my billing dispute. 

I filed a dispute with Wells Fargo on XX/XX/year>, regarding a fraudulent charge of {$350.00} from XXXX XXXX  # XXXX. I did not authorize this transaction, and the item was shipped to XXXX, CAa city I do not live in. I reside in XXXX XXXX, NV, and Wells Fargo has my correct billing address on file. 

Despite this, Wells Fargo : Closed all of my credit card accounts before the investigation was complete, and Denied my dispute without proving I received the item. 

To date, Wells Fargo has not provided any documentation showing that the merchandise was delivered to my billing address or signed for by me. Under Regulation Z, it is the card issuers legal responsibilitynot mineto obtain such evidence during a reasonable investigation. The denial of my dispute without producing that proof constitutes a violation of 12 CFR 1026.13 ( f ) and 15 U.S. Code 1666.

Furthermore, by closing all of my credit accounts during the dispute process, Wells Fargo violated the FCBA, which prohibits creditors from taking adverse action before completing a fair and timely investigation. 

Requested Resolution : I request that the CFPB : Require Wells Fargo to reverse the {$350.00} charge ; Reopen or fully restore my closed accounts ; Ensure any negative credit impact is removed ; Provide a full explanation of what investigation was conducted and on what basis the charge was upheld. 

I have now gathered additional documentation, including : My government-issued Nevada drivers license with billing address ; XXXX and XXXX shipping and delivery details showing the item was delivered to XXXX, CA, not to me. 

I am happy to provide these to Wells Fargo if needed, but again, the legal burden was on the bank to obtain this before denying my claim. Wells Fargos handling of this dispute reflects clear non-compliance with federal consumer protection laws, and I ask the CFPB to intervene accordingly.

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 2025-04-08 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: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
used XXXX XXXX XXXX on XX/XX/year> to get my experian credit report. at some point they ask for my mobile #, but I never get a call, so i don't get my report. This has happened every time I tried over these last weeks. It is impossible to contact Experian.

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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
I purchased a gift card from someone back in XXXX using XXXX XXXX purchase protection program. The scammer advertised this to me as a safe way to purchase from him. I read about the purchase protection program and XXXX made it seem that if I was scammed, they would help me with recoup my money if I didn't ' receive the gift card. I never received the gift card after contacting the person multiple times. I then filed a dispute with XXXX, they contacted the seller, and then closed my dispute without further explanation. This is unfair for XXXX to advertise a service that supposedly protects buyers, but never follows through. Please help. I am out {$500.00} because XXXX is advertising a buyer protection service that isn't true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized transactions made to DraftKings from my ACH account, debit card ( XXXX ), and Venmo account. These charges amounted to thousands of dollars and occurred without my knowledge or authorization. I have submitted multiple pieces of evidence proving that I could not have made these transactions, including : Location data showing I was in a completely different state when the charges occurred ( e.g., I was at a holiday party in XXXX XXXX, NY while charges were being processed in Connecticut ). Timestamped evidence from my workplace showing I was on-site during some of the transactions. Photos and surveillance video confirming my location at specific times. I initially contacted XXXX, who acknowledged that the charges originated from another location. However, they advised me that they could not reverse the charges and instructed me to dispute the transactions with my financial institutions. I followed up by filing disputes with both XXXX XXXX  and XXXX. Unfortunately, despite providing detailed evidence, most of these disputes were denied, with no explanation or supporting evidence provided to show how these charges were determined to be legitimate. A few disputes were, however, resolved in my favor. I have done everything in my power to provide transparent and verifiable evidence. I am deeply frustrated with the inconsistent and opaque resolution process and am seeking your assistance in resolving this matter fairly and thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-08 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
The original company, XXXX, contacted me ; I ask for phot ID of renter. I explained that I have not been in Florida and can prove it. I told them it was fraud, they sent the debt to a collection agency, XXXX XXXX XXXX XXXX XXXX I listed them on a previous complaint XXXX ; they responded XXXX  ; apparently with my ceased an desist order to XXXX XXXX XXXX XXXX, XXXX took back the debt and sent it to another collection center, Sequium Asset Solution. I have not received any notice of this collection being sent to Sequium Asset Solution, no phone calls, no mailings, nothing! This collection was posted on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: MA

Complaint narrative:
Im submitting a complaint about Wise and XXXX money-transfer apps. 

This is related to an alleged fraud scheme that I was a victim of, occurring on XXXX XXXX XXXX. Briefly, the scheme operators offered " 5-star reviews '' for the products that I sell on XXXX, then demanded more and more money and urged me to install and use the Wise and XXXX apps as vehicles to transfer the money to their XXXX accounts ( I have a saved record of this conversation on XXXX ). I transferred a total of over {$2600.00} via Wise ( {$1900.00} ) and XXXX while I believed them. When I eventually refused, the fraudsters began threats and extortion of more money. 

I submitted requests to Wise and XXXX on XX/XX/scrub>XXXX XXXX XXXX, asking them to cancel the transfers and return my money. Wise responded that they contacted the receiving bank but have not canceled my payments or returned my money ( see their email response attached ). XXXX has never responded to my complaint ( their case reference # XXXX ) and in fact, deactivated my account which appears as stonewalling and ignoring allegedly-fraudulent activity on their platform. 

Fyi, I filed complaints about this with the FBIs Internet Crime Complaint Center ( XXXX ) and with the MA Division of Banks Consumer Protection unit - I attach the copies here. I would greatly appreciate your assistance in this matter as it relates to the money-transfer platforms which assist and enable fraud like this to occur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XXXX My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXXVirginiaXXXX My employer is : XXXX 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 non-monetary relief