vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-15 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:
TransUnion : Equifax : Experian Account Details Account Number XXXX Individual Account Account Status Open since XX/XX/year> Original Lender T-Mobile They never notified me a balance was due on the account. I didnt know anything until I got alert on my credit. I paid the creditor and requested for them to remove it in XXXX. I requested with letter and still no reply or response.

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 2025-08-15 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:
TransUnion : Equifax : Experian Account Details Account Number XXXX Individual Account Account Status Open since XX/XX/year> Original Lender T-Mobile They never notified me a balance was due on the account. I didnt know anything until I got alert on my credit. I paid the creditor and requested for them to remove it in XXXX. I requested with letter and still no reply or response.

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 2025-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX. Wells Fargo was denying refinances and other mortgage programs to save my home from going to foreclosure. Why was the XXXX the only option given to me to save my home year XXXX? 


XXXX. On XX/XX/XXXX Wells Fargo advised that making payment on time for 6 months my loan modification XXXX will be adjusted to my new monthly payments. 
Was this update a system error that was never adjusted in the Wells Fargo system. 
Why was I charged {$40000.00} for the loan modification ..? 

XXXX. In XX/XX/XXXX we called wells Fargo to get an explanation on the {$40000.00} that was owed to them. I asked the following questions below and the only answer it was a loan modification taken like a second mortgage and that was it. We called in XXXX representative and Spanish for my husband to understand. 

XXXX. If it was a XXXX loan modification second mortgage, why was the balance of {$40000.00} now showing on mortgage statements, Wells Fargo Application, or reported to the IRS on that debt. 
Where is that money at? 
Why was I not given that money? 
Why I never received paperwork other than what we signed on XX/XX/XXXX? 

XXXX. The FHA XXXX Loan modification please verify if I was charged any fees on wheels XXXX part and FHA? From my understanding no fees were to be charged. 

XXXX. Please explain where the {$40000.00} charge if for and the breakdown. 

XXXX. The notary XXXX XXXX came to our home on XX/XX/XXXX to notarize this FHA XXXX second mortgage loan modification as wells Fargo stated to me on XX/XX/XXXX. She did not speak XXXX. My husband does not read, or write, or understand XXXX due to his learning disorder. Was this document valid because of language barrier? Who translated to him what he was signing?

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-08-15 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: EQUIFAX, INC.
State: NE

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
The company is XXXX XXXX XXXX, and they are connected with the company XXXX. I began communication with XXXX in XXXX and set up a payment plan, which I have been making payments on regularly. XXXX XXXX XXXX began calling me even after I set up my payment plan with the company they are affiliated with, and the calls were daily and constant throughout XXXX and XXXX. I checked my credit report and found that they had placed the debt in collections with a higher amount, even though I have proof the amount has been paid down and that I negotiated a lower amount. The main issue is the constant calls after I had already set up a payment plan, and then they retaliated by placing it on my credit report in XX/XX/year> after I asked them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
Please help me investigate accounts where I am being wrongly reported for late payments. Upon reviewing my credit report, several accounts were marked late when they shouldn't be. There should be no late payment annotationsplease remove these inaccuracies and update the accounts as previously agreed in positive standing. In addition, the account currently showing delinquency is incorrect and should be disputed and marked with no late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: AL

Complaint narrative:
I am submitting this fifth-round follow up complaint to dispute regarding certain accounts and inquiries on my credit file that are inaccurate, unauthorized, and/or the result of identity theft. I have previously submitted disputes regarding these items, but they continue to appear on my credit report. These accounts and inquiries were not initiated, authorized, or applied for by me, and I have not received any benefit from them.BK OF 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: AL

Complaint narrative:
I am submitting this fifth-round follow up complaint to dispute regarding certain accounts and inquiries on my credit file that are inaccurate, unauthorized, and/or the result of identity theft. I have previously submitted disputes regarding these items, but they continue to appear on my credit report. These accounts and inquiries were not initiated, authorized, or applied for by me, and I have not received any benefit from them.BK OF 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 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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX My XXXX XXXX was excellent ( XXXX ) at the time, yet they gave me a XXXX loan at 21.14 % XXXX, which is extremely high and seems unfair. My wife and I went to the dealership to speak with the financial agent. She claimed she canceled the warranty and had me fill out paperwork, but when we asked for a copy, she refused to give it to us, saying it wasnt for us. 
I traded in my car, but the dealership still financed the full remaining balance at this extremely high rate. While at the dealership, I overheard staff making derogatory comments about me and stating they were going to damage my credit. I tried to resolve the issue with them, but they gave me the runaround and refused to provide the requested information. While at the dealership, staff made derogatory comments and implied they would harm my credit. I tried to resolve the issue with them, but they gave me the runaround and refused to provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
I need help with removing some unauthorized accounts that have appeared on my credit report. I did not open them, nor was I notified. As per USC 1681g, please remove them within XXXX  days. I have enclosed the required documents.

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 2025-08-15 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: TN

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-15 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: TN

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX four Bank Corp checking accounts were created under my square business account that I did not do. All transaction deposits were instant transfers to to these accounts from XX/XX/XXXX - XXXX ( over {$3000.00} ). There is now a hold on my square account and I can not get any money from square for any transactions from my customers. They are holding close the XXXX grand. They only tell me " You will have the funds released in XXXX business days. '' That was two weeks ago. Yesterday they said funds would be released in XXXX hour and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year> my business debit card was used for XXXX unauthorized transactions, XXXX transactions were for {$180.00} each, another for XXXX and another for {$120.00}. Once I noticed this on XX/XX/year> I submitted disputes for them all. I called numerous times and was just always flatly told you cant speak to anyone over the phone, you have to wait for email correspondence which I did. On XX/XX/year> I received an email saying that I lost all XXXX of the disputes and that my money was not going to be refunded due to the fact that my physical card was presented at the time of the purchase. I then called their customer service number back to ask for more information about exactly where this card was used and was told that the only information they could give me was the city and state which is XXXX XXXX. I instantly responded to the email since I was not getting any help on the phone. The agent was stating that they have no access to any of the disputed information. I asked for more information about exactly which XXXX this was used at in case I need to file a police report. I also asked them to verify that this wasnt a virtual card that was used because theres no way my debit card was in XXXX, XXXX  because I had it with me in XXXX XXXX  the entire weekend. I have never received a response to any of what Ive asked from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: SC

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 2025-08-15 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: TX

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: CA

Complaint narrative:
I applied for a {$200.00} promotion offer of Netspend in mid XXXX around the XXXX. Where if you direct deposit {$400.00} you get a {$200.00} payout within 5 days per the terms but it hasnt posted and the customer support has been taking a while longer than it should.

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 2025-08-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, { dispute item _and _explanation ; By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 14 days Sincerely yours, 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