vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX i made a deposit with cash on a Wells Fargo ATM Machine of {$3000.00} but i made the deposit separate started off with {$1000.00} once i made the deposit the machine said it only accepted {$200.00} that it would return the rest of the cash at the end of the transaction. So I kept on depositing and i made another deposit of {$920.00} another of {$600.00} and last one of {$480.00} should have been a total of {$3000.00} all together. 
At the ends of the transaction the ATM did not return the {$800.00} from the XXXX of the first deposit and did not reflect on the receipt, so I immediately called customers service and let then know what occurred they said dont worry about it it would all be taken care of so on XX/XX/year> Wells Fargo gave me a provisional number deposit for the {$800.00} and on XX/XX/year> they withdrew {$400.00} from my account so now they owed me {$400.00}. I called again to see what was going on and on XX/XX/year> the did a provisional deposit of {$800.00} so now they gave {$400.00} more than was owed a few months past and on XX/XX/year> they withdrew out of my account {$800.00} so now i was short {$400.00} so I called again asking them to making it right and for the past months they have supposedly been doing their investigation supposedly they were going to check the ATM and get back to me well they decided to say that their was no error on the machine and that the case was closed, i have been reopening this matter with wells Fargo numerous times and have spoke with Supervisors, Customer service and others but nothing gets done. 
I have been banking with Wells Fargo for decades from personal checking to business and merchant service and never had any issues until this one. Its very clear i counted the money in front of the machine they have cameras there to see how much was deposited its not right that they can just keep customers money they do investigations and rule in their favor and have no consequences for their actions. Just to be clear this is not about the money its about whats right and if they did this to me and are trying to get away with it I believe there is more victims out there like me from Wells Fargo. 
I really appreciate you taking the time to read this long and confusing letter but please i need for someone to look into it. If you have any questions please fell free to call me at XXXX Sincerely, 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 2025-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
My first dispute is with XXXX XXXX I returned equipment in a timely manner and was later sent a bill for the amount of the equipment. I contacted XXXX on XXXX to inform them that I had the UPS tracking number. On XXXX XXXX confirmed the package had arrived, but it takes months to attach the item to my account and just continue to ignore bills. On XXXX I received a text from Southwest Credit regarding the XXXX account. I called Southwest Credit XXXX after the third text. The text contained a phone number which is not the same as their website. 

I find both XXXX and Southwest Credit XXXX XXXX practicing predatory tactics. In my brief conversation with Southwest Credit, I believe XXXX sold my debt to them. Part of XXXX practice was for me to provide a payment source for a {$1.00} charge in order for them to answer whether or not if they even have a debt from XXXX. I would not provide them any access to my debit/credit cards or one-time payment information. 

The XXXX store informed me to keep receipts because XXXX has notoriously claimed to not receive returned equipment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: WI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-17 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: WI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-17 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: CO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-17 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: DISCOVER BANK
State: PA

Complaint narrative:
I am writing to formally dispute the accuracy of a Discover Student Loans ( 2 ) currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, Discover would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
I scheduled a payment to be made on the due date ( XX/XX/scrub>/25 ) from my Apple Goldman Sachs Savings Account to my Apple Goldman Sachs Credit Card. I had done this several times before with no issue. There was plenty of XXXX in the savings account to cover the transaction. However, Apple Goldman Sachs Savings Account did not process the payment because of security issues. I quickly made the payment from a different bank ( XX/XX/year> ), but Apple Goldman Sachs Credit Card had already charged me interest ( XX/XX/year> ). I called Apple Goldman Sachs to sort out the issue ( XX/XX/year> ). It doesnt seem that the departments talk to each other. The Savings department apologized and assured me this would never happen again. The credit card department gave me a {$25.00} convenience credit and said they would submit for the full interest of {$170.00}. However, on XX/XX/year> I received an email stating that they decided not to refund the interest. As XXXX traveling internationally, I wasnt immediately able to call them back, but did so on XX/XX/year>. After being passed from department to department, I finally spoke with a supervisor who pretty much said they would do nothing, and proceeded to close my account ( at my request, as I prefer not to do business with organizations with such policies ). I do have records to back all of this up. Please help. Thank you!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing an account reported by LVNV Funding ( Account XXXX XXXX ) that has been previously deleted by XXXX XXXX XXXX XXXX  continue to report it inaccurately and inconsistently. Despite multiple dispute attempts, they have failed to provide the method of verification, which violates FCRA Sections 609 and 611. I am requesting this account be permanently removed from all reporting bureaus due to failure to validate and inconsistent reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-17 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 XXXXXX/XX/XXXX, Balance : {$3300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} INQUIRIES : XXXXXXXX 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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I created a bill pay in early XXXX. Once the bill pay is created the money is accounted for by withdrawing the money immediately from my account even though the check has not been cashed yet. It was done this way up until PNC had a four day system update on the weekend of XXXX. I called and requested my bill pay history before the four day PNC update and was turned away over the phone with " This is how the system has always been. '' This falls under the XXXX. 

The following is an email I replied to from an employee at PNC : I am writing to address two urgent issues regarding my PNC account, and I prefer to handle this matter via written communication rather than over the phone. 

First, I am disputing a charge of {$15.00} that was debited from my account. I can confirm that these funds were accounted for in my balance prior to this update, and I believe this charge was erroneously applied. I request an immediate refund of this {$15.00}. 

Second, I am unable to access my bill pay history through the PNC mobile application. The option to view this history is present in the app, but no data is displayed. This issue has persisted before and after the recent system maintenance, which I understand is referred to as " XXXX XXXX. '' I require a copy of my complete bill pay history to be emailed to me, or a clear and reasonable explanation as to why this feature is unavailable despite being presented as an option in the mobile app. 

I look forward to your prompt resolution of these matters. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX XXXX XXXXXXXX XXXX XXXX TransUnion XXXX XXXX XXXX and XXXX Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within XXXX days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX. XXXX XXXX XXXX XXXX Opened XXXX {$300.00} XXXX. XXXX XXXX Opened XXXX {$570.00} XXXX. XXXX XXXX Opened XXXX {$4000.00} XXXX. XXXX XXXX XXXX Opened XXXX {$15000.00} These accounts have resulted in several fraudulent collections appearing on my consumer XXXX XXXX reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MS

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: WI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
This incident is ongoing, but today XX/XX/year> is what drove me to this complaint. My payment account for Honda Financial Services was put on hold because of an issue with my bank in the early months of the loan. Now Honda Financials policy is forcing me to talk with a person live on the phone every time I need to make a payment. I can not use any automated service, online portal, or automated phone payment process to skip the hold times, sometimes they add up to around an hour on hold. In my normal day to day life this is manageable, but this month I went on a trip for my birthday and although I attempted to make a payment, my cell service was spotty and when I did finally reach a customer service agent, we were disconnected and the payment did not go through. I called today XX/XX/year> to discuss this issue, and after holding for around 15 minutes I was connected to XXXX, who listened to my story and then either hung up on me, or we were disconnected again. When calling back, again waiting on hold, I was connected with XXXX who listened to my story again, as well as finally processing my payment for this month. XXXX told me that I can not be transferred to a manager or supervisor and that there is nothing that I can do except call at a better time that is less busy. This seems unsustainable and unfair to expect timely payments with all of the hoops that I must jump through to get there. At this point I am considering taking out a loan to pay off my car and then paying via the other loan service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief