vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
My name is XXXX XXXX. I opened a XXXX account in XXXX, and at that time I believed XXXX was withdrawing funds from my bank account to cover my XXXX copay insurance. However, I have now discovered that for seven years every single month I have been billed by XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$470.00}. 

This totals over {$40000.00} withdrawn from my account without my knowledge or proper authorization. 

Last month, I changed my plan with XXXX specifically to prevent any further withdrawals related to XXXX. After doing this, I was shocked to see yet another withdrawal : XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}. 

When I contacted XXXX today, I was told they never withdrew these funds not only this month, but at ANY time during the entire past seven years. They stated that NONE of the policies I had with them were set up for direct withdrawal from my bank account. 

I explained that the withdrawals were coming from XXXX XXXX XXXX, and XXXX responded that they do not use XXXX services, and I would need to contact XXXX. So I contacted XXXX and they had no record of my XXXX information, no account on file, no policy, nothing linked to me whatsoever. 

At this point, it is absolutely clear that for seven years my account has been drafted by a company or entity using the name XXXX XXXX XXXX, without any legitimate authorization. 

I contacted Wells Fargo and requested the merchant ID, transaction origin, and linked vendor account to determine where this money has actually been going. They refused to provide the merchant ID or trace the withdrawals, which prevents me from identifying the entity that has taken more than seven years of payments from me. 

I am extremely frustrated, and frankly, I feel completely victimized by a system that has allowed funds to be repeatedly withdrawn from my bank account with no verification, no authorization, and no accountability. I have all of the documented bank statements from Wells Fargo that show every withdrawal over the past seven years. 

I need urgent assistance in : obtaining the full merchant ID, identifying the true financial recipient, determining whether these withdrawals constitute fraud, and recovering more than {$40000.00} of payments that I never agreed to. 

This situation has gone on for far too long, and I will not accept being dismissed or told to go in circles between XXXX, XXXX, and Wells Fargo. I expect someone to take responsibility and provide a direct path to resolution immediately. 

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 monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is incorrectly charging me {$1000.00} and reporting a false delinquency to the credit bureaus after THEY failed to pick up the vehicle from the dealership, XXXX of XXXX, NC, for over 2 months. 

I returned the vehicle on XX/XX/year>, and I surrendered the license plate on XX/XX/year>. The dealership confirmed the return was completed properly. I have proof of the exact dates. 

Despite their failure to pick up the car, XXXX reported late payments and sent me a bill for {$1000.00}. Because of their error, my credit score dropped from the XXXX to the XXXX. 

This is a wrongful charge and false credit reporting. 



Attachments provided : 1. Vehicle return documentation 2. Plate surrender receipt 3. Timeline and communication records 4. Credit score report showing impact Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I follow the instructions to close the account and then I will get a window that pops up saying : Were sorry, please try later When I call, I get the runaround and put on hold and no one comes back. When I logon in order to deactivate and close the account, I get a message in red colour saying that the account has been blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-04 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-04 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 am writing to dispute the student loan account on my credit report for XXXX  and Transunion and with XXXX  XXXX. This entry wasnt properly investigated based on the sham lawsuit. Please re-review this dispute accurately based on sham. And also for XXXX, in the letter they provided me they didnt address my concerns, nor deny what I claimed. They only stated that I was still responsible for my loans.

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 2025-12-04 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am filing a complaint regarding several unauthorized hard credit inquiries that were placed on my credit reports without my consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. 

These companies pulled my credit without my authorization, without a signed credit application, and without any legitimate business purpose. I did not apply for credit with these companies and did not give verbal, electronic, or written permission for any of these inquiries. These inquiries are harming my credit score and were not properly resolved when I disputed them with the credit bureaus. 

Unauthorized Inquiry List : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ( XXXX XXXX ) XX/XX/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 I contacted the credit bureaus, but the disputes were not properly investigated and the inquiries remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding several unauthorized hard credit inquiries that were placed on my credit reports without my consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. 

These companies pulled my credit without my authorization, without a signed credit application, and without any legitimate business purpose. I did not apply for credit with these companies and did not give verbal, electronic, or written permission for any of these inquiries. These inquiries are harming my credit score and were not properly resolved when I disputed them with the credit bureaus. 

Unauthorized Inquiry List : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ( XXXX XXXX ) XX/XX/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 XX/XX/XXXX I contacted the credit bureaus, but the disputes were not properly investigated and the inquiries remain.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information currently appearing on my consumer credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

The account in dispute is listed as : Creditor : XXXX XXXX Account Number : XXXX Account Type : Credit Card Account Status : Closed Balance Reported : {$1900.00} Credit Limit : {$1000.00} Worst Payment Status : XXXX Days Late Payment History : 61 % on-time Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX This account is being reported in a manner that is materially inaccurate, misleading, and unsupported by proper verification. Specifically : XXXX. The account reflects a balance exceeding the reported credit limit at 193 % utilization without documentation of authorized over-limit approval. 
XXXX. The payment history shows contradictory statuses including Current, Derogatory, and 120+ Days Late, which can not simultaneously be accurate. 
XXXX. No last payment date is reported, making the account unverifiable under FCRA standards. 
XXXX. The account is marked Closed yet continues to report an active balance without proper documentation of the closure terms. 
XXXX. The reporting lacks complete and lawful verification as required by 15 U.S.C. 1681 ( a ) ( 1 ) ( A ). 

Under the Fair Credit Reporting Act, I am requesting that you : Conduct a full reinvestigation of this account Require the furnisher to provide complete documentary verification Delete this account entirely if it can not be fully verified Provide me with written confirmation of your investigation results If the creditor is unable to provide : A signed original contract, A complete payment history, Proof of lawful reporting of late status, Proof of authorized balance reporting over the credit limit, then this account must be deleted immediately from my credit file. 

This letter is not a refusal to pay, but a demand for lawful, accurate, and verifiable reporting as required by federal law. 

Please complete your investigation within the required 30-day timeframe and send me the results in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: GA

Complaint narrative:
I tried making multiple transactions on at XXXX on Monday evening and my purchase was declined I tried multiple time and my second transaction was today XXXX at the XXXX XXXX XXXX and also was declined and I know I had sufficient funds on both occasions I contacted customer service and I was told that they were unable to reverse this process and they couldnt give me more information about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
My home was sold on XX/XX/year>. The Title Company sent the mortgage payoff check to DCU in XXXX, MA via XXXX  tracking number XXXX, with delivery confirmation available. The check was received and deposited on XX/XX/year>. 

However, as of XX/XX/year>, DCU has informed me that the mortgage payoff is still processing on my account. When I requested an update, the representative was unprofessional and declined to provide a timeline for completion. 

The Title Company and closing attorney processed the payoff exactly as instructed by DCU. Despite this, DCU posted additional charges to my mortgage account on XX/XX/year>, after the payoff funds were already received. 

I am requesting your assistance and intervention to resolve this issue promptly.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a complaint because XXXX XXXX has failed to update my closed loan accurately with the credit bureaus, despite the loan being fully paid and closed. 

XXXX XXXX XXXX shows the loan as paid and closed, but the documentation they provide does not satisfy Experians requirements. As a result, Experian has not updated the account status and this is negatively impacting my credit. 

I reached out to XXXX  for proper verification and they refused to provide the necessary written proof that Experian requires ( showing the account is fully paid and closed with {$0.00} balance, and the correct final payment/closure date ). 

Their support response stated that they only update once per month and that delays may occur, but it has already been well beyond the normal reporting window and Experian is still showing the incorrect status. XXXX  is failing to furnish accurate information as required under 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 2025-12-04 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: KS

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$27000.00} Date Opened : XXXX Date of Last Activity : XX/XX/XXXX Lates 30 days XX/XX/XXXX reported different on other bureaus XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$36000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX lates 30 days XX/XX/XXXX to XX/XX/XXXX lates 30 days XX/XX/XXXX lates XX/XX/XXXX and XX/XX/XXXX 30 days and XX/XX/XXXX lates 30 days reported different on other bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} Date Opened : XX/XX/XXXX Date of Last Activity:XXXX lates 30 days XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$17000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX lates 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX lates 30 days XX/XX/XXXX reported different lates on other bureaus XXXX XXXX XXXX XXXX Balance Owed : $ XXXX Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX lates 30 days XX/XX/XXXX and XX/XX/XXXX lates 60 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} Date Opened:XXXX Date of Last Activity:XXXX late 30 days XX/XX/XXXX, late 60 days XXXX XXXX-not reported in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Dispute of Charge-Off Reporting Account Ending in XXXX I am formally disputing the reporting of my JPMCB Card Services credit card account ending in XXXX, which was charged off on XX/XX/year> with a balance of {$33000.00}. I believe this charge-off may be based on an inaccurate or non-compliant delinquency timeline during the COVID-19 period. If the reporting of my payment history leading up to the charge-off was inaccurate, incomplete, or not in compliance with CARES Act requirements, the charge-off status and date can not be considered accurate or valid under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that JPMCB Card Services provide complete documentation verifying the following : That I did not request a COVID-19 hardship or payment accommodation.

That JPMCB Card Services complied with all CARES Act reporting requirements from XX/XX/year> onward. 

That the month-by-month delinquency timeline leading to the charge-off is accurate, complete, and verifiable. 

That the charge-off date of XX/XX/year> is correct and fully supported by JPMCB Card Services records. 

If JPMCB Card Services can not provide comprehensive documentation proving that the reporting was accurate and compliant, I request that the charge-off and any associated derogatory information be immediately removed or corrected on my credit report. 

Under the FCRA, I am entitled to have all information reported accurately and fairly, and the CARES Act provided additional protections for consumers during the COVID-19 pandemic. Failure to provide supporting documentation may constitute a violation of these obligations. 

Please treat this as a formal dispute and provide your response in writing along with all documentation supporting the reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
I am filing a complaint regarding several unauthorized hard credit inquiries that were placed on my credit reports without my consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. 

These companies pulled my credit without my authorization, without a signed credit application, and without any legitimate business purpose. I did not apply for credit with these companies and did not give verbal, electronic, or written permission for any of these inquiries. These inquiries are harming my credit score and were not properly resolved when I disputed them with the credit bureaus. 

Unauthorized Inquiry List : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I contacted the credit bureaus, but the disputes were not properly investigated and the inquiries remain.

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