vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My wife and I have joint savings accounts and separate checking account at Wells Fargo Bank, since this XXXX Wells Fargo representative XXXX recommended us upgrade our checking account to be XXXX  checking account from the Everyday checking account, because we have joined savings account and CDs account both over XXXX, XXXX promised no monthly service fee for both of us, but Wells Fargo charged me XXXX dollars monthly service fee since XX/XX/XXXX, I found it by accident last morning, I requested the policy about the charging fees and I requested my agreement about the charging fee, they refused! They charged me XXXX dollars monthly service fee sneakily several months later after I signed the agreement about account upgrades! Totally Fraudulent! Please help me check it out! Than you so much!

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 monetary relief
Consumer complaint received 2025-11-14 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: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have settled my account with Capital One/Kohls and I have requested a letter providing confirmation of the settled account and an update to my credit report tradeline. I have not been provided this information despite calling. The account was settled on XX/XX/year> and the final payment was {$620.00}. The last XXXX of the account is XXXX. I have included the statement showing this payment and a fax that I also sent them today with the same request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The Fraud Dept at Truist Bank has got to be the worst. Truist gives Debit cards instead of ATM cards to use at their machines. My wife and I have never believed in the safety of Debit cards and do not use/own one. Recently my wifes card ( in her wallet ) was scanned and the thieves emptied our bank account with fraudulent transactions to some overseas money laundering organization called XXXX out of XXXX TX. 
I caught the transaction prior to them executing ( 3 business days in pending ) and called Truist Fraud hotline ( 4 times over 5 days with over an hour for each call ) to cancel the transactions. They said they could not do it and that they can only address the issue after the money left my account. They, in good faith, credited my account the {$8000.00}. 
Well the money was taken and the Fraud Dept initiated their investigation. They called XXXX and were told the transactions were legitimate and they trusted them. Now Truist wants to take the money back out of my account. 
I have gone to the bank and emptied my accounts for cash. 

This is a list of XXXX personnel that I have been in contact with : XXXX XXXX Assistant Vice President Fraud Solution Services Team Lead II/ Truist XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX Office : XXXX XXXX XXXX XXXX Client Resolution Senior Specialist / Truist XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Office : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
Dear Sir/Madam, I am filing this complaint to dispute inaccurate and incomplete information regarding my credit report. Below are the details of the accounts that I am disputing with each of the credit bureaus Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-14 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: PA

Complaint narrative:
I HAVE MADE NUMEROUS REQUESTS TO HAVE TRANSUNION CORRECT MY CREDIT REPORT. THEY CLAIMED THE VERIFIED THE INFORMATION AND THIS INFACT IS NOT TRUE, BECAUSE I CONTACTED THE COMPANIES MYSELF WHO AGREED THAT I WAS NEVER LATE ON ACCOUNTS, AND HAVE CONFIRMED THAT CERTAIN ACCOUNTS WERE NOT MINE. I HAVE WENT SO FAR AS TO CONTACT XXXX WHO ADVISED I WAS NEVER LATE AND PROVIDED ME WITH STATEMENTS SHOWING I WAS NEVER LATE. YET TRANSUNION CLAIMS THAT MY INFORMATION WAS VERIFIED. THIS IN FACT IS FALSE SEE ATTACHED INFORMATION BELOW. FURTHER MORE, THEY HAVE MULITPLE ADDRESSES AND PHONE NUMBERS WHICH ARE NOT MINE AND EMPLOYERS THAT I DO NOT WORK FOR AND I REQUESTED REMOVAL OF THEM AS WEL. I have not HAD ANY SUCCESS WITH THEM. I THEN ASKED THEM TO PROVIDE EVIDENCE OF ALL FACTUAL INFORMATION TO SHOW THEY TRULY DID IN FACT PERFORM AN INVESTIGATION AND TRULY DID VERIFY THIS AND I HAVE NOT HEARD A RESPONSE BACK. I FILED A REPORT WITH THE CFPB BACK IN XXXX AND TRANSUNION CLAIMED THEY ADDRESSED THE PROBLEMS WHEN INFACT THEY NEVER DID ANYTHING. I HAVE BEEN A VICTIM OF IDENTITY THEFT, MY INFORMATION WAS LEAKED OUT ON THE WEB AND THEY CONTINUE TO LEAVE FRAUDULENT INFORMATION ON MY REPORT. I NEED SOMETHING DONE ABOUT THIS NOW.

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 2025-11-14 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: ND

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
While booking a hotel, I was offered a free XXXX XXXX for XXXX at XXXX XXXX in XXXX  XXXX, provided my husband and I attended a onehour presentation on XX/XX/year>. Expecting a group seminar, we were instead placed in a cubicle with a salesman named XXXX. I confirmed the onehour limit since our XXXX  daughter and her friends were waiting, but the presentation dragged on for four hours. 
XXXX pressured us to buy a vacation membership we didnt understand due to language barriers, despite repeatedly explaining we couldnt travel because of immigration issues. He offered points, cruises, discounts, and claimed it could be resold for profit. Exhausted and worried about our children, my husband left to check on them, and XXXX rushed me into signing documents I didnt fully understand. Only afterward did he mention maintenance fees and dues. 
In XX/XX/year>, I discovered a Barclays credit card had been opened in my name without my knowledge, and the membership cost was charged to it. Both XXXX and Barclays denied my refund request, citing an expired cancellation window that was never disclosed. XXXX suggested selling through XXXX XXXX, but they valued it at only {$5000.00}. 
We can not afford the debt or interest, especially after I lost my nonprofit job. The promised services do not match reality, and we have never used the membership due to its complexity and our inability to travel.

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 2025-11-14 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: DE

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-14 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-14 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: CA

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that fail to meet the highest standards of accuracy. These errors are severely impacting me in profound and ongoing ways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
i have no knowdlege of this account, or this debt, this is not mine, or it belongs to someone else with the same or ismilar name 1692e ( 5 ) : Threatening action without legal authority 1692e ( 10 ) : False representation of legal status STATE LAW VIOLATION : Operating without required license ( NMLS evidence confirmed ) 1681c ( f ) : Reporting mixed/matched files 1681e ( b ) : Failure to maintain proper procedures 1681s-2 ( b ) : Furnishing inaccurate information 1681c ( f ) : Reporting mixed/matched files 1681e ( b ) : Failure to maintain proper procedures 1681s-2 ( b ) : Furnishing inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
I am filing this complaint because Experian has repeatedly denied my disputes regarding fraudulent activity on my credit report, despite clear evidence that the transactions and account reporting could not have been initiated by me. 
I was arrested and incarcerated from XX/XX/XXXX through XX/XX/XXXX. During this period, I did not have access to my personal information, phone, email, or financial accounts. While I was incarcerated, a XXXX account was fraudulently opened and reported to Experian, with activity showing in XX/XX/XXXX. This account is not mine, and I have never opened or authorized any account with XXXX. 
I submitted multiple disputes to Experian explaining that I was incarcerated and unable to open accounts during that time. However, Experian has denied all of my disputes and refused to remove the fraudulent XXXX reporting from my credit file. This inaccurate information has caused my credit score to drop and has negatively affected my ability to obtain credit and rebuild financially after release. 
In addition, my Experian credit report contains multiple inquiries during the period of my incarceration, which I did not authorize and could not have initiated. These inquiries also remain on my report despite my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: OH

Complaint narrative:
Receiving repeated phone calls and texts messages alleging to be from Unifin. I dont know what debt they are trying to collect. I block all calls and texts reporting them as junk, but they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 disputing the following information reported under my Experian credit report. The listed charged-off accounts, bankruptcy, and inquiries do not accurately reflect my credit history. I request a full investigation and correction of any discrepancies. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date of Inquiry : XX/XX/XXXX Experian XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX  Date of Inquiry : 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 2025-11-14 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: DE

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: DE

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am a victim of the recent data breach that has affected many individuals. Under 15 U.S.C. 1681c-2a, I am requesting that the account mentioned on my credit report that is associated with this breach be blocked and deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have reached out to this company on multiple occasions and they will not assist me with removing this account from my credit report. This account has been hindering approval for me including being cleared for employment or renting. I have disputed this account and asked for information but the information received is fraudalent and it seems as if the company is making up anything to make money and my accounts kept being sold to different creditors.

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 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I financed an HVAC installation through XXXX. The contractor marked the job completed on XX/XX/XXXX even though the installation took several days and was not legally permitted. I later contacted the XXXX of XXXX and confirmed that no mechanical or electrical permits were ever pulled for this project. 

I requested the permits, inspection records, and an explanation for why XXXX released funds on a false completion. XXXX has not provided this information and refuses to place my loan into dispute/hold status. Instead, they continue to demand monthly payments and warn of delinquency, even though the installation is unpermitted and legally incomplete. 

I have contacted XXXX multiple times since late XX/XX/XXXX. They stated they reached out to the installer, but no permits or proof of inspection have been provided. The contractor has also not responded.

I am requesting federal assistance because I am being required to pay for an installation that was never legally completed, was misrepresented as finished, and was financed based on false information.

Company response to consumer: Closed with explanation