vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On or about XX/XX/XXXXXXXX  the {$50000.00} XXXX was finally sent to Wells Fargo from the XXXX XXXX XXXX XXXX. And I was informed by them that Wells Fargo must disposition the Check within 30 days. However to this day Wells Fargo havent applied the funds to the account. Theyve now twisted their endeavors that a mandatory Loan Modification must be completed and signed between myself and my Mentally Unstable Step Father XXXX XXXX. Despite since XXXX  there has been multiple completions by yours truly in regards to completing 3 Month Temporary Loan Modifications. And it was yours truly to whom applied for this grant and my Step Father did absolutely nothing for decades. Its been revealed that he forged a false name of XXXX XXXX XXXX XXXX on the note in which resulted in him forging a Refinance Check. And Wells Fargo has also cost me a lot of missed time on my job with them vindictively canceling court appearances at the last minute in which result in bogus legal price gouging. In which Im only going by which is on the signed agreement. Im completely fed up with these legal and consumer games. My XXXX XXXX XXXX XXXX is a worthless drunk to whom didnt even attend my late mothers funeral and back in XXXX  was banned from this property for vandalism. However make note that Wells Fargo was sued by the city of XXXX Pa due to their deceptive practices in which is still taking place such as this XXXX XXXX. Plus they tends to ignore the fact that Im the Executor of my late XXXX XXXX. So now I see why many are dragging their feet to cease these bogus Sheriff Sales, Correcting The Rear Balance to {$77000.00} and Depositing the {$50000.00} Grant that I applied for to the Mortgage 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 2025-11-12 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I notice Monday XX/XX/year> I was receiving unauthorized text from XXXX XXXX time pass code a few times the my phone serves went to No Network emergency calls only. I could not get into my account or make any calls. My direct deposit went into my XXXX acct Tuesday night XX/XX/year> I tried to get into my acct the login in was changed I called XXXX the next morning from job phone to check my balance I has to create a new user name and pass word I then saw a lot of unauthorized transactions to Coin Base Financial all my funds were gone. I disputed the transactions XXXX times XXXX investigation team denied all transactions {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am writing to formally dispute several inaccuracies in my credit reports from Experian These discrepancies involve charged-off accounts, inquiries, and late payments that have been incorrectly reported. Below are the details of the items in dispute : Charged-Off Accounts XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Inquiries XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payments XXXX XXXX XXXXXXXX Account Number : 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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I got scammed so badly on XXXX. Someone contacted me with messagenger app with XXXX area code. 
We started to talk and he asked me to invest the crypto. I've already got brainwashed from him at that point, I couldn't think logically. 
On XX/XX/XXXX, I wired {$98000.00} from my BoA account to XXXX-> XXXX trading site where he showed me. 
I did what exactly he asked me to do from the bank account to fake trading site. Once I realized this was the scam, it was too late. 
I've already reported to bank fraud department and FBI cyber crime team, but I got the reply that theres nothing they could do.

The detective from FBI said, the money is already pulled out to XXXX or somewhere XXXX, they wouldn't cooperate with US law enforcement. 
I have lost 15 years of savings, it ruined my whole life.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I received notices that my information was released into the data breach, I checked my consumer profile and notice multiple unauthorized, inaccurate, and unverified accounts that were authorized by me, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year>XXXX  I sent via XXXX  {$150.00} to my grandson. It as deducted from my account on XX/XX/year>. As of XX/XX/XXXX he has still not gotten access to this money. They told him that I sent it and asked him for information about himself which he gave them. Over the last 6 days we have tried to contact XXXX  but they provide NO way to email or contact them. Everything is AI, the help center, the phone numbers and any means to get in touch with them. I have requested a return of my money through their app and they state they can not do that at this time and I should try in a few days. Of course that was an AI answer to their button request for a return of money. I just want the money to be made available to my grandson or returned to me and you can be sure I will never use XXXX  again. When I went to the XXXX XXXX XXXX site I found hundreds of complaints filed recently with the same exact problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: TN

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my Equifax credit report : Charged-Off Accounts : XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$10000.00} Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
I am a consumer seeking to resolve discrepancies in my credit reports. Below are the details of the accounts in dispute across the three major credit bureaus : Charged-Off Accounts XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$24000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$980.00} Late Payments

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 2025-11-12 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: GA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXXXXXX  I checked my credit report with XXXX XXXX and noticed that Equifax has my date of birth as XX/XX/XXXX. My date of birth is XX/XX/XXXX. This violates F

CRA 607 ( b ), 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. Under 611 ( a ), this entry must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing the accuracy of the information reported on my TransUnion credit report, specifically regarding the accounts listed below. I request that you investigate these matters and correct any inaccuracies that may exist. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$52000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$78000.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-11-12 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: CA

Complaint narrative:
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Glacier Bancorp Inc.
State: AZ

Complaint narrative:
This is the only bank Ive ever had that will pay a debit charge for a tv subscription or a trial subscription that has been posted to my account. I get XXXX XXXX  or XXXX XXXX or try some other on line trial subscription. I have sometimes not gotten what I wanted and called the bank the same day to tell them not to pay that debit but they say I have to get that company to issue a credit! That they will never stop payment for a debit, I have to get a credit through that company. It doesnt matter what the problem is I can not stop a debit even though I have tried to do so the same day. The 3 days pending means nothing as to me being able to stop the charge from going through. 
Also at the end of the month if a recurring debit charge like a car wash or XXXX  or something like that comes through and I dont have the funds they go ahead and pay it and then charge me XXXX overdraft fees and XXXX every day until I have paid for these charges. I only get some over XXXX dollars a month so I can not pay these charges until the beginning of the month with my SSI and SSA. This month they charged me over XXXX in overdraft. Every other bank just wont pay these charges and I will reinstate my music or tv subscriptions when I get paid and there never is a problem with that. 
Also this bank has only paid me XXXX XXXX  interest in the year Ive been with them even though it keeps saying the interest fee keeps changing. They cant explain what this means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I settled this account on XX/XX/year>. Despite this being a positive change the change reflected as negative on the subsequent credit report. I believe this falls into misleading information as I made a positive change and it reported as negative, per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) information should be accurate and not misleading. Updating the recent activity, refreshed the delinquency and has re-added the recent delinquency flag on my credit report so I would appreciate this be amended. The refresh is jeopardizing me from mortgage qualification.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I settled this account on XX/XX/year>. Despite this being a positive change the change reflected as negative on the subsequent credit report. I believe this falls into misleading information as I made a positive change and it reported as negative, per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) information should be accurate and not misleading. Updating the recent activity, refreshed the delinquency and has re-added the recent delinquency flag on my credit report so I would appreciate this be amended. The refresh is jeopardizing me from mortgage qualification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
am filing a formal complaint regarding what appears to be predatory lending and misrepresentation in my auto loan. I purchased a brand-new vehicle with an MSRP of {$48000.00}, but the dealer listed the base price on my loan paperwork as {$51000.00}. I made a {$15000.00} down payment and financed {$36000.00}. However, my loan disclosure states that I would pay nearly {$80000.00} by the end of the term, which is excessive and does not align with the vehicles true price. Additionally, the dealer and lender set my monthly payment at {$800.00}, despite knowing this was not affordable for me. The lender is now offering to let me pay {$30000.00} to fully satisfy the loan, which further indicates the loan was structured unfairly and possibly involved inflated or deceptive charges. I believe this qualifies as predatory lending and misrepresentation under consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: PA

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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-12 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:
Dear Sir/Madam, I am a consumer attempting to correct inaccuracies on my credit report. Below is a summary of the accounts that I am disputing across the three credit bureaus. These accounts are incorrectly reported, and I am requesting that they be thoroughly investigated, corrected, and updated as necessary to ensure compliance with credit reporting laws. 

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 response to consumer: Closed with non-monetary relief