vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-16 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was scammed from a lending company named XXXX XXXX. They made fraudulent checks and transfers between my accounts and took around XXXX dollars and used a womens name from South Carolina to make it seem like they deposited money to my account. also used money temporarily deposited and repaid themselves. 

They ( Wells Fargo ) conducted a 10-14 Business day investigation and provided provisional credit. I got a letter a fee days ago with it saying that nothing was done wrongly and no fraud was done unwillingly and now that credit will disappear and my closed account ( 4 of them ) will be put back on there as negative balances. This is outrageous. There are a lot of legal statutes that I will use to defend my self.

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 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-16 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts that I did not authorize.

under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that the following accounts be removed from my credit report. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX  ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX My vehicle was repossessed by Wells Fargo dealer services who claimed we still Owe {$24000.00} on a {$36000.00} loan we had been paying XXXX per month since XX/XX/XXXX even though our payments were only XXXX per month we asked Wells Fargo to apply 100 % of the XXXX additional we were paying to the principal amount to ultimately reduce our interest rate. After repeated calls to adjust incorrect payments they still continued to make the same mistake.after 2 years paying XXXX a month on. Time we tried to refinance to lower our payments Wells Fargo claimed they did not provide that service. We then tried a private refi option Wells Fargo claimed we had negative equity and gave us an unreasonable pay off quote causing our refi to fail. We just figured well try again next year 1 more year of XXXX per month on time payments. Now its XXXX weve been paying nothing lower were not saving and Wells Fargo again made it impossible to refi. XX/XX/XXXX after 4 years of on time payments XXXX per month we decide to pay off the vehicle figure we should be close now lets do the math. Wells Fargo then blew our minds by giving us a final pay of quote of {$21000.00} we werent sure what to do and now Wells Fargo is sitting there with the vehicle that we payed 3x the amount for and they have the car I would like a swift resolution and proper compensation for these horrible practices this is unjust. Also I called them today to find out what I need to pay to get the car back I was shocked the totals are below AS OF XX/XX/XXXX {$24000.00} To Pay car in full and have it returned Within 4 hours. 
Original amount financed {$36000.00} On XX/XX/XXXX {$3000.00} Cash Down at dealership

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NC

Complaint narrative:
Delayed direct deposit saying it was third party holding up the funds the company is chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
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 : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, a company called Bounce AI reported or attempted to collect a debt that had previously been removed from my credit report by the original creditor, XXXX XXXX, under the Trafficking Victims Protection Act of 2000 ( TVPA ). That deletion was granted lawfully and in compliance with the Consumer Financial Protection Bureaus ( CFPB ) XX/XX/XXXX guidance on debts incurred as a result of human trafficking. 

Despite this, Bounce AI either purchased or was assigned the same debt and proceeded to : Add a collection tradeline to my credit report Attempt to engage in collection activity Refuse to acknowledge or comply with my rights under the TVPA When I contacted Bounce AI and explained that the debt was previously removed under federal protections, I was told repeatedly that I must contact an attorney, that the agent was not allowed to discuss legal matters, and that I had not requested a dispute. This is factually and legally inaccurate under CFPB rules, survivors do not need an attorney and can request deletion directly. 

I was eventually told I had 14 days to submit documentation again, despite the fact that : The account was already removed due to trafficking protections The re-reporting and collection efforts are strictly prohibited under CFPB guidance Any documentation submitted for deletion can not legally be used to validate or pursue the debt in any way The handling of this matter was not only unlawful it was retraumatizing. The representative dismissed my rights, misrepresented the law, and refused to acknowledge that the debt had already been deleted under a TVPA claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-07-16 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: MI

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 XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/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 2025-07-16 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: CA

Complaint narrative:
I am filing this complaint to request a full review and escalation of two previously submitted complaints to the CFPB regarding Goldman Sachs Bank USA ( Apple Card ), both of which were closed without resolution.

My original issue began with being misinformed by Apple Card representatives regarding interest accrual after account closure. I was told that interest would not be charged after the account was closed, but it was and continues to be.

While Goldman Sachs acknowledged a " communication error '' and issued a partial credit of {$87.00} ( for XX/XX/year> interest ), they did not resolve the larger issue. I continue to be billed for interest, even though I was told I wouldnt be, and my request for a good-faith settlement was ignored. I explicitly asked that all negotiation happen within the CFPB portal, but Goldman Sachs closed the case without responding to this request.

GS falsely stated in their response that I failed to respond to their outreach. In fact, I did respond in writing and clearly stated that I would only communicate through the CFPB portal to ensure transparency and documentation. For them to misrepresent this is not only misleading but undermines the entire complaint process.

Additionally, I submitted complaints to the OCC and Federal Reserve, both of which confirmed this matter is solely under CFPB jurisdiction. At this point, Im being bounced between agencies while the harm continues.

This is now a complaint not just about Goldman Sachs, but about how my two previous CFPB complaints were handled. Im asking for internal review and reconsideration : Complaint ID : XXXX ( Filed XX/XX/year> ) Complaint ID : XXXX ( Filed XX/XX/year> ) OCC Case ID : XXXX Federal Reserve response : Received XX/XX/year> I can re-submit all supporting documentation upon request including screenshots of billing, the original communication that misled me, and relevant personal records that establish the impact this has had on my finances and well-being.

Please confirm this has been received and escalated accordingly. Given my 100 % payment history and multiple attempts at resolving, I am not seeking to evade payment, but rather a fair, accurate, and transparent resolution based on the bank 's own acknowledged error.

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Subject : Formal Dispute and Request for Removal of Unauthorized Hard Inquiries Under the FCRA I am writing to dispute multiple unauthorized hard inquiries that appear on my credit report. I did not authorize or initiate any credit applications or transactions with the following companies, and these inquiries are being reported in error.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, no person or entity may access my credit report without a permissible purpose and without my explicit authorization. Furthermore, 15 U.S.C. 1681i grants me the right to dispute any inaccurate information on my credit report and to request a thorough investigation and removal within 30 days.

I demand that the following inquiries be removed immediately : SANTANDER CONSUMER USA Account number XXXX Past due amount {$9600.00} Original balance {$18000.00} Address XXXXXXXX XXXX XXXX XXXXXXXX Phone number- ( XXXX ) XXXX I did not provide authorization, consent, or initiate any application for credit with these entities. Their presence on my report constitutes a violation of my consumer rights under the FCRA.

If these inquiries are not removed within 30 calendar days of receipt of this letter, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and consider legal action. I will also seek damages of up to {$1000.00} per violation under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Please confirm in writing when these inquiries have been deleted.

Thank you for your prompt attention to this matter.

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-16 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:
XXXX  XXXX XXXX XXXX- I was never late on this account, please remove late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
XXXX  XXXX XXXX XXXX- I was never late on this account, please remove late payment history.

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 2025-07-16 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is shown in collection on TransUnion and Experian only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX the account is shown in collection on TransUnion only collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  the account is shown in collection on TransUnion only collection account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is shown in collection on TransUnion and Experian only also showing late payment history on Experian only loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history on Experian and Equifax only XXXX account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is shown in collection on Experian only which is being inconsistently reported among the national credit bureaus 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 2025-07-16 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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