vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: PA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Goal Structured Solutions, LLC
State: MD

Complaint narrative:
In XXXX, my wife and I were sold a solar panel system for our XXXX, MD home by XXXX and financed through XXXX XXXX. We were told by the sales rep that we would receive a {$15000.00} rebate check after installation to apply toward the panels, keeping our monthly payment around {$150.00}. We later discovered that this rebate was actually a federal tax credit dependent on our personal taxes, not a guaranteed payment. This was never explained or disclosed in writing. 

Because we did not receive that money, our payment has now increased to XXXX  XXXX, and we received a notice demanding an {$11000.00} lump-sum payment to keep the lower rate. XXXX later transferred our loan to XXXX XXXX XXXX Launch Servicing, and we are now being billed under two loan numbers totaling about {$38000.00}. 

We also experienced repeated system issues, including installation errors and a misconfigured inverter that prevented proper energy production for several weeks ( confirmed in writing by the installer, XXXX XXXX XXXX ). 

Despite promises of savings, our neighbor in the same townhouse without solar pays less to XXXX ( ~ XXXX XXXXXXXX ) than our combined solar + electric costs ( ~ {$250.00} XXXX XXXXXXXX ). 

We believe this loan was obtained through deceptive and misleading sales practices and undisclosed financing terms. We have filed related complaints with the Maryland Attorney General and Maryland XXXX XXXX XXXX. 

We are requesting that the lender and servicer pause all billing and collections, provide full validation of the loan, and consider canceling the loan due to fraud and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/XXXX XXXX GMT+2, I initiated a currency transfer and exchange request via wise.com , with a " guaranteed '' exchange rate. I chose wise over traditional bank transfer because of the known up front rate of XXXX. Wise indicated that rate is guaranteed if money arrives to them by XX/XX/XXXX. I immediately initiated Wire transfer from by XXXX XXXX to the details provided by Wise. I recevied a statement the same day, XX/XX/XXXX, from my bank that the transfer was complete. Yet XX/XX/XXXX, and still Wise has not received the money. Customer service said that US domestic transfers usually are handled same day, but it is common that it can take 3 or 4 business days, and to initiate an inquiry I must wait until XX/XX/XXXX. 

If it is common that wise does not handle money from their end in a timely fashion, it is misleading to guarantee an exchange rate if it won't be honored if the funds don't arrive within a day, while giving themselves 3 or 4 days to handle funds before inquiries begin. 

Current exchange rate is worse than at the time I initiated transfer, as expected based on current trend, and it can result in effective loss of XXXX or more dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/XXXX XXXX XXXX, I initiated a currency transfer and exchange request via wise.com , with a " guaranteed '' exchange rate. I chose wise over XXXX  XXXX  transfer because of the known up front rate of XXXX. Wise indicated that rate is guaranteed if money arrives to them by XX/XX/XXXX. I immediately initiated Wire transfer from by XXXX XXXX  to the details provided by Wise. I recevied a statement the same day, XX/XX/XXXX, from my bank that the transfer was complete. Yet XX/XX/XXXX, and still Wise has not received the money. Customer service said that XXXX domestic transfers usually are handled same day, but it is common that it can take 3 or 4 business days, and to initiate an inquiry I must wait until XX/XX/XXXX. 

If it is common that wise does not handle money from their end in a timely fashion, it is misleading to guarantee an exchange rate if it won't be honored if the funds don't arrive within a day, while giving themselves 3 or 4 days to handle funds before inquiries begin. 

Current exchange rate is worse than at the time I initiated transfer, as expected based on current trend, and it can result in effective loss of XXXX or more XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
The credit Bireais have repeatedly violated the FCRA for the last XXXX wars. They have literally destroyed my credit worthiness. They have caused great delay in Business projects and caused defamation of character and personal injury. I have experienced unexplained decreases in my credit savored and deleted credit cards. There were no consequences due to the process in which credit bureaus are held accountable to the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 am submitting this dispute regarding the accuracy of certain items listed on my Experian credit report. The following items need to be reviewed and verified, as they appear to be incorrect or incomplete : CHARGED OFF XXXXXXXX XXXX XXXX XXXX XXXXXXXX, {$2300.00} XXXX, XXXX, XXXX, {$1400.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XXXX'I have used this service from Citizens Bank for many years without a problem. I live in XXXX PA, and I paid property taxes in XXXX  using Citizens bill paying service as in the past. However, this time someone sent the check 11 days in advance and dated the check that same day. \n\nTaxes were due XXXX XXXX and the check was sent and dated XXXX XXXX XXXXThe check was cashed upon receipt, XXXX XXXX due to the XXXX XXXX  dATE OF THE CHECK.\nbRANCH MANAGER DID VERY GOOD JOB OF RECTIFYING TTHE PROBLEM WHICH SOMEONE ELSE HAD CREATED, AND SAID HE WOULLD BRING IT UP AT THE NEXT MEETING OF BRANCH MANAGERS.\ntHE CHECK SHOUD HASVE BEEN DAED XXXX XXXX  WHEN IT WAS DUE, AND THQQAT MISTAKE WAS MADE BY A DIFFERENT DEPARTMENT.\n\ni THINK MY COMMPLAINT WOULD BE BETTER SERVED IF THE CONSUMER pROTECTION BUREAU COMPLAINED TO CITIZENS BANK\nTHANK YOUXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am filing this complaint because Equifax continues to report two charge-off accounts that are inaccurate and should be completely removed from my credit report. 

The accounts are : XXXX XXXX opened XX/XX/year>XXXX  XXXX XXXX XXXX opened XX/XX/year> I have disputed both accounts with Equifax multiple times, yet they continue to verify them without providing legitimate documentation or proof from the original creditors. This has caused ongoing harm to my credit and financial reputation. 

In addition, I was a victim of the Equifax data breach, which further undermines my confidence in the accuracy and integrity of their data handling. Given their history of compromised information, I believe these accounts may be linked to inaccurate or incomplete records. 

Equifax has failed to properly reinvestigate these disputes as required under the Fair Credit Reporting Act ( FCRA ). These accounts are unverifiable and outdated, and I am demanding their complete removal from my Equifax file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am being denied customer service assistance with my account. The bank stated that on XX/XX/year> I called in and was not able to verify my account but I never called in & I certainly know who I am and could verify whatever information necessary. The bank is refusing to assist me without paying for a notary and sending them my id, I dont have money to pay a notary and there are no local branches. Now my online account wont work I cant get assistance. Please help. They should not be able to force someone out of money to use their account.

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 2025-11-06 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: TX

Complaint narrative:
This complaint is regarding the continued reporting of inaccurate information on my credit report. Even after several disputes, the account is still being reported incorrectly, which violates the Fair Credit Reporting Act ( FCRA ). This constitutes a breach of 15 U.S. Code 1681i ( a ) failure to conduct a reasonable reinvestigation, and 15 U.S. Code 1681e ( b ) failure to ensure maximum possible accuracy of information. I am requesting the immediate removal or correction of this inaccurate data to remain in compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
This complaint is regarding the continued reporting of inaccurate information on my credit report. Even after several disputes, the account is still being reported incorrectly, which violates the Fair Credit Reporting Act ( FCRA ). This constitutes a breach of 15 U.S. Code 1681i ( a ) failure to conduct a reasonable reinvestigation, and 15 U.S. Code 1681e ( b ) failure to ensure maximum possible accuracy of information. I am requesting the immediate removal or correction of this inaccurate data to remain in compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo has charged my savings account {$12.00} per month for ( 4 ) months straight from XXXX XXXX ' due to not having the minimum in that one account. I had more then the {$3500.00} required in my other accounts but as I was moving around money this summer, there is no were on the account where it states how much is required to to be in there. I was left to make a decision on my memory of this account. I ensured I had {$2500.00} ( when I had XXXX XXXX, sitting in another account. To add to this, Wells Fargo 's website used to have a clickable link for ever account to show exactly what is needed to avoid any fees. They have removed this link to now make it harder for clients to fully understand how fees happen. It was clear I added money to this account based on my assumption. 
I believe this is unfair to charge clients fees without easily knowing how to avoid them. Instead their answer was " it was on your mailed documents and we have a customer service line. They had the answer with this clickable link and this would all be avoided, but online they have removed this feature to make it more cumbersome for clients. 
In a day an age where the federal government is pushing to hold banks accountable for excessive fees this is a prime example of how Wells fargo takes advantage of clients. I have emails from wells Fargo about their decision NOT to remove all fees and can provide if needed. 
-This client had enough funds in the combined accounts to avoid any issue XXXXWells Fargo removed clickable links to allow clients to truly understand how to avoid fees- Wells Fargo clearly removed these links to make it harder for clients to understand fees

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 2025-11-06 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-06 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: AL

Complaint narrative:
I respectfully request that Experian conduct a detailed investigation into the following disputed items on my credit report. I ask that any information that can not be verified or substantiated be removed from my report. 

CHARGED OFF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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