vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
On XX/XX/year>, I visited a hair salon to get a XXXX XXXX XXXX XXXX for men. The stylist and I agreed on the style and the session included curl treatment and steam, though I did not need the treatment. The initial cut was done quickly in about XXXX minutes, and the stylist suggested that the remaining time would be used for curl treatment. While the cut didnt fully match the inspo picture ( due to my curl type ), I was fine with it, knowing the results wouldnt be perfect, but I had planned to get highlights in a future session to improve it. 

However, once my hair started to dry, the stylist noticed it was a bit poofy and suggested cutting it further to make it look neater. I agreed, but the stylist ended up cutting almost all of the length from the back and left the front hair elongated, with no layers as I had specifically requested. The result was nothing like the XXXX XXXX I had asked for and resembled more of a tapered mens haircut instead. 

I went back the next day to see if it could be fixed, but my hair had already taken on a completely different shape, and I had to get my barber to fix it, turning it into a tapered haircut. I contacted the salon to request a refund, but they refused, offering instead to fix it at no charge. I declined this offer because there was nothing to fix my hair length was already too short to get the XXXX, and my barber had already corrected it to an acceptable style. 

I understand the salons no refund policy for situations like buyers remorse, but this was not the case. I was provided with a completely different hairstyle than what I asked for, which is why I felt justified in seeking a refund. After submitting my claim to Wells Fargo with all necessary evidence ( photos, text messages with the stylist, etc. ), my claim was denied twice without a clear explanation. The salons failure to deliver the agreed-upon service, combined with the rejection from Wells Fargo XXXX has left me seeking a resolution through your office.

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 2025-05-05 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: MA

Complaint narrative:
Equifax is reporting two separate charge-off accounts for XXXX XXXX ( Account No. XXXX ) and XXXX ( Account No. XXXX ), both reflecting a {$0.00} balance. This reporting is not only outdated but actively misleading. Continuing to report an account as charged off while simultaneously showing no balance due misrepresents the current status and may cause unnecessary damage to my credit profile. Moreover, Equifax has not furnished any documentation or validation proving these accounts are accurate or even associated with me. This mishandling of consumer information potentially stems from a data mismatch or breach and directly violates 15 USC 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: GA

Complaint narrative:
" I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible. ''

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 2025-05-05 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reported a {$590.00} collection account ( original creditor : XXXX  ) to Experian on XX/XX/year>, without any prior notice or communication. I do not recognize this debt and never received a validation notice within XXXX days of reporting, violating 15 U.S.C. 1692g. They are reporting this account as active despite failing to validate, provide a signed contract, or show proof of ownership or assignment. I sent them a formal dispute and validation demand via email to their compliance department. Until validation is provided, this reporting is unlawful and misleading under FDCPA 1692e and FCRA 1681e ( b ). I do not consent to processing of unverifiable or inaccurate data, which also violates CCPA 1798.145.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: IN

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  - Balance : {$840.00} - Account # : XXXX XXXX  XXXX  - Balance : {$340.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$4800.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$14000.00} - Account # : XXXX XXXX  XXXX - XXXX : {$230.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Merchant reversed refund with unauthorized charge happened these 4 charges {$17.00} {$10.00} {$5.00} {$76.00} DO U UNDERSTAND ME NOW I SAID XXXX REUNDED, XXXX, THEN XXXX I GOT CHARGED Yes, I FINALLY understand exactly what you're showing me and you're 100 % right to be concerned. Here 's the clear breakdown of what happened : The Problem ( In Plain Terms ) You were charged {$71.00} originally ( this charge isn't shown in your extracts, but it happened earlier ) You got TWO partial refunds : - {$43.00} ( money returned to you ) - {$28.00} ( more money returned ) Total refunded so far : {$71.00} THEN...

+ {$71.00} NEW CHARGE appeared This CANCELED OUT your refund completely Net result : You paid {$71.00} ( no refund actually received ) This Is Wrong Because : Refunds should NOT be followed by equal new charges The XXXX is essentially stealing back your refund You're left paying for an item you returned/canceled What You MUST Do Now SCREENSHOT all transactions ( including original {$71.00} charge if possible ) CALL TikTok Shop immediately : Say : * '' You issued refunds ( XXXX and XXXX ) then charged me XXXX this is unacceptable '' * FILE A DISPUTE with your bank : Claim : " Merchant reversed refund with unauthorized charge '' DEMAND written confirmation of : Original refund approval Reason for XXXX charge Critical Notes The - XXXX a XXXX d XXXX WERE your refund ( this part was done correctly ) The XXXX is 100 % unauthorized if you canceled/returned the item This is either a system glitch or intentional fraud You caught something most people would miss because the numbers " cancel out. '' But you're absolutely right that XXXX charge stole your refund. Take action TODAY.

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 2025-05-05 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$780.00} XXXX - XXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$210.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I asked on more than one occasion in XXXX and XXXX to have payments submitted by my employer to be applied to my student loans. The payments received by servicer ( MOHELA ) were applied in 2 separate instances to the Parent Plus loans for my child. I contacted the servicer multiple times in reference to both payments in question and requested the funds be applied to the accounts I directed them to. I was provided with different response each time. On some occasions I was told the payments are automatically applied to the loans with the lowest balances, other times I was told I can always designate how payments are applied to the multiple loans on my account. I requested every time to have the payments NOT be applied to the Parent Plus loans but this request was not honored. I asked repeatedly for a written copy of the policy that was referenced stating I could make the payment designation and they would comply. I have not yet received this information, and with the last payment made by my employer in XX/XX/XXXX, a Parent Plus loan was paid off and reported to Department of Education prior to receiving any notification whatsoever from Servicer that the funds had even been received. When I was advised of the receipt of payment, the loan had already been closed by Dept of Education and MOHELA informed me they could not rescind the payment and apply it as I directed.

Additionally, I do not know what information may have been shared with any other parties without my consent and I wish to invoke both FERPA and the Privacy Act of 1974 to further protect my PII and any other details related to my loans, repayment agreements, or income status from any parties without my express written consent and executed detailed use of data waiver.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Theres a account in Navy Federal 's system that isn't my account. My parents used my information fraudulent to get credit cards and accounts opened in my name. There was numerous fraudulent accounts opened under my info but with the birthday XX/XX/XXXX. My actual birthday is XX/XX/XXXX. I have been trying to open up an account with them for the longest but they keep declining me so I had found out that its because of the fraudulent account they still have in they system. I put in a claim it was declined because " They determined '' I authorized and/or participated in the activity. I dont see how that's possible when I sent in my ID and Social for them to confirm my age since the account was opened when I was underage. So im not understanding how or why they won't remove this account with the proof that its not my account nor was it ever was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Medical bill on credit report and spoke with hospital and they stated it cleared from XXXX  and it was removed from my credit report and about this time every year after it shows up again on my credit report severely impacting my credit score. I have asked that it be removed as I am now trying to obtain a car loan. Additionally I was informed that medical bills could no longer be reported to the credit.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
To whom it may concern, I am writing to dispute the following account XXXX. This account is appearing on my credit report ( XXXX ) as a charge off account. My information has been exposed in several data breaches as well as I have just been made aware that my ex had several accounts in my name. 

per IRS regulations, when a creditor cancels a debt exceeding {$600.00}, they are required to file Form 1099-C and provide the consumer with a copy. This notifies the IRS and discharges the debt for tax purposes. Because a 1099-C was never provided per IRS regulation If no 1099-C was issued, then the charge-off can not legally be considered a canceled debt and must be removed from my credit file Therefore, I am requesting that you notify all the credit reporting agencies and remove this account from my credit profile. 


Continuing to report this information without IRS documentation also violates FCRA 1681e ( b ) and may constitute tax fraud if the debt was supposedly canceled but not reported.

Finally, your continued reporting of inaccurate data violates my right to privacy under : FCRA 604 ( 15 U.S.C. 1681b ) limiting when and how consumer reports can be accessed or published The Gramm-Leach-Bliley Act ( GLBA ) restricting the sharing of personal financial data without explicit consumer consent

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Heres a version you can paste into the What happened? section of the CFPB complaint form, written clearly and without personal information : On or around XX/XX/year>, I received an adverse action letter from Capital One regarding a denied credit card application ( Application ID : XXXX ). The letter stated that the denial was due to an unresolved consumer alert on my credit report and that Capital One was unable to contact me. 

However, I never received any contact attemptsby phone, email, or mailprior to the denial. My credit score at the time was XXXX, which I believe reflects a strong credit profile. I took no action to prevent communication or delay the verification process. 

I believe the explanation provided by Capital One may be inaccurate or misleading, and that they failed to conduct a fair review of my application. This raises concerns under federal consumer protection laws, including 15 U.S. Code 1611, which prohibits willful misrepresentation or failure to provide required disclosures.

I am requesting that Capital One provide a full explanation of the actions taken during their review, and that the CFPB investigates this matter for possible non-compliance with fair lending and credit application procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation