vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: OK

Complaint narrative:
When I make a purchase with a credit or debt card it will show as " pending '' transaction until it clears. When it clears it will say " cleared '' and the " pending '' is no longer there. I found Multiple, multiple transactions over the last year that show cleared but also the pending that hasn't came off. The worst part is trying to get this resolved with this company. Outrageous hold times to speak to anyone and then the person who does answer goes through your complaint and then has to put you on hold for someone else because the first representative is not able to do very much at all. Out of the many reps I've spoke with only a couple took the time to actually look at my account, do the math and see the issue. I've been told different things, when they sent the reason they denied my complaint ( which originally had 3 transactions, there are more now ) it didn't even have the right transactions ... and the response was nonsense. They did not even try to act like they really looked into it. This is the 2nd complaint I have filed. You guys were able to get a representative with " Way2go card '' to contact me but that went nowhere. She kept saying I needed to contact the store and settle it that way but it has nothing to do with the store I made the purchase with. It is the system that the Way2go card uses. The original pending transaction never came off once the transaction cleared. So it is taken out of my account twice. After my conversation with the Way2go rep ended her response on here was not accurate either.... she states that we resolved it and I was aware the {$50.00} was returned back to my account. That is a lie, she even stated how it was an issue with the store not them..... And {$50.00} was not even the correct amount ... For any of the transactions we had discussed ... what makes this even more ridiculous I have to continue to use this company because that is who handles child support in Oklahoma and they are over several other government programs. So the consumer is stuck using them and it is clear that this company doesn't care to resolve or fix anything because they will continue to make money on our money whether we like it or not. Thank you for your time. I can submit papers or anything else if needed. This company should not be in charge or XXXX  of peoples accounts. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
is a formal demand for the immediate deletion of accounts on my credit file that are fraudulent, inaccurate, and illegally reinserted in violation of federal and XXXX  state laws, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 Fair and Accurate Credit Transactions Act ( XXXX ) XXXX  Identity Theft Protection Act 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 2025-07-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I was issued an XXXX debit card by XXXX XXXXXXXX with {$5000.00} on XX/XX/year>. I never received or activated the card. When I followed up on XX/XX/XXXX, I learned the card had already been activated and the entire balance was fraudulently withdrawn. 

I submitted a dispute ( Case ID : XXXX ), a police report, and a USPS mail theft report. My case was closed without notice, and I was redirected to XXXX, who confirmed XXXX XXXX is responsible for reimbursement. I am still awaiting a decision and request full reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NV

Complaint narrative:
I just got my credit report and noticed some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Things are inconsistent in relation to my report.

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 2025-07-26 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX, I was approved for an XXXX loan modification with Wells Fargo. I had severe financial hardship ( job loss, failed small business ), and although I qualified for hardship assistance, I was offered a balloon payment structure totaling {$66000.00} ( a HUD Partial Claim ). I was not clearly told what this balloon was, how it worked, or that it would prevent me from refinancing or accessing equity. 

I stayed current on payments for 11+ years but was forced to move out of my home in XXXX due to affordability. Despite making every effort to sustain the home, rising costs and the inability to access equity caused long-term financial strain. I continued making timely payments and did not default on the mortgage. Wells Fargo later sent me a {$9000.00} restitution check in XXXX, which I now understand was related to their admitted modification errors. 

I recently requested all documents from Wells Fargo and was sent an incomplete record it excluded FHA/HUD references , NPV test results, and hardship documentation. The version I received downplayed the fact that this was a government-backed FHA-HAMP modification .

Im requesting a full investigation, compensation, and balloon forgiveness or restructuring based on the servicing misconduct, misleading disclosures, and long-term financial harm this loan caused my family.

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 2025-07-26 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required documents include a photo ID, a utility bill, and my FTC report. I have provided all necessary documentation, including more than the two items required by law.

Pursuant to Section 605C of the Fair Credit Reporting Act, I respectfully request that you remove and block the following items from my credit report within XXXX business days 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} Please confirm in writing once these accounts have been removed. Thank you for your prompt attention to this matter.

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 2025-07-26 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: IA

Complaint narrative:
Subject : Cease and Desist Violation Unlawful Retention & Use of Nonpublic Personal Information by Teletrack Details : I am filing this complaint against Teletrack, a third-party consumer reporting agency that has retained and shared my nonpublic personal information ( NPI ) without my knowledge or consent. I have never applied for any financial product, nor have I established any business relationship that authorizes Teletrack to access or report on my personal data.

I issued a formal Cease and Desist notice to Teletrack demanding the immediate removal of all my personal information and the retraction of any reports sent to credit reporting agencies. I also requested that they cease all communication and provide proof of any permissible purpose under the FCRA for maintaining my data. They failed to respond appropriately.

This is a violation of the FCRA 604, GLBA, and potentially constitutes unauthorized surveillance or identity misuse.

I am requesting the following : Immediate deletion of my information from all databases ; Written confirmation that no further reports will be shared or sold ; Disclosure of where and how my information was obtained ; Proof of permissible purpose or signed consent.

If no such proof can be produced, I request that this company be investigated and penalized under applicable law for unlawful retention and trafficking of consumer data.

Supporting documents attached : Cease and Desist Letter Copy of my ID ( for verification ) Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-07-26 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: UT

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-26 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: AE

Complaint narrative:
I am writing to formally dispute two unknown, therefore unauthorized accounts currently reporting on my TransUnion credit report : 1. XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  2. XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX These accounts do unknown to me, and therefore unauthorized. Additionally, I disputed these accounts explaining theye were unknown and TRANSUNION " verified as accurate. '' This is completely false and misleading. Please be advised that I have already filed a fraud report in relation to these accounts. These accounts are the result of possible identity theft or unauthorized use of my personal information, and their continued presence on my credit file, along with false dispute annotations, is causing ongoing harm to my credit and financial reputation. TransUnions failure to remove these accounts constitutes a serious violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S. Code 1681i ( a ) Requires that credit reporting agencies conduct a reasonable reinvestigation when a consumer disputes any item. If the information can not be verified, it must be deleted from the consumers file.

15 U.S. Code 1681e ( b ) Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Reporting fraudulent accounts and false dispute notations clearly violates this standard.

15 U.S. Code 1681s-2 ( b ) Requires furnishers of information ( in this case, XXXX XXXX XXXX XXXX XXXX to fully investigate disputes and correct or delete any inaccurate, incomplete, or unverifiable information once notified by the credit reporting agency. 
Despite your legal obligation to ensure the accuracy of my credit file, these accounts remain, falsely marked as previously disputed and verified. This is unacceptable and a willful disregard of my rights as a consumer. I am demanding that both of these uknown accounts be immediately and permanently deleted from my credit report. If TransUnion or the information furnisher can not produce legitimate, signed documentation showing that I opened these accounts, then you are legally required to remove them. If these accounts are not removed within 30 days, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and I will consider pursuing legal action under the FCRA.

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 2025-07-26 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: CA

Complaint narrative:
I am disputing a {$1300.00} charge made to my XXXX account by XXXX XXXX. This charge was made without my direct authorization, and I did not sign or approve the use of my account for this transaction. 

The provider billed me for services that were never performedthey only took impressions for a night guard, which was canceled the next day. Despite this, the full charge was processed and the account later went into collections, severely damaging my credit. 

I disputed this with all three credit bureaus. XXXX XXXX XXXX have removed or updated the account so it no longer impacts my score. However, Experian still reports it as a charge-off with multiple late payments, despite receiving the same documentation and update request from XXXX XXXX XXXX 

I have attached documents showing : The original treatment plan was never completed The charge was made without my direct consent The amount has ballooned in collections for a product that was never delivered Supporting Documents Summary : Attached are documents that support my complaint : Itemized Statement from XXXX XXXX Shows services were not rendered beyond impressions. 

Patient Estimator Worksheet Confirms the {$1200.00} charge was based on estimated treatment only. 

Signed Treatment Plan Outlines proposed services, not completed ones.

XXXX  Receipt Confirms the full charge was made without my direct consent or signature. 

XXXX  Denial Letter Shows denial based on provider-supplied documentation only. 

These documents support my request for full removal of the tradeline and derogatory marks from my XXXX report due to a charge that was both unauthorized and for services not rendered.

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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have made settlements with synchrony bank on all of my accounts with them. I borrowed against my life insurance policy to pay them off. I paid all but 1 credit card from another bank. They show on my credit report that my accounts were settled but negatively impact me by double hits showing that I still owe a balance when I paid the agreed settlement. I even paid it a month early. They call me a minimum of 3 times a day 7 days a week.

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 2025-07-26 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: WA

Complaint narrative:
On XX/XX/year>, I booked XXXX round-trip tickets from XXXX to XXXX via XXXX Airlines through Chase XXXX using my Chase credit card ( Trip ID XXXX ). When my family arrived at the airport, XXXX out of XXXX tickets were voided without any notice or explanation. We were traveling with XXXX checked bags, XXXX carry-ons, and backpacks and children. 

I had to make an urgent 48-minute call to Chase XXXX , spending 35 minutes on hold with no updates while the check-in cut-off time was approaching. This trip was very meaningfulmy first visit to my home country in 25 years, and my childrens first time in XXXX. Chases failure almost ruined this once-in-a-lifetime family trip. 

After the stressful call, our tickets were reinstated at the last minute. I contacted the Chase Executive Office ( Case XXXX ), who admitted it was a system issue between the airline and Chase XXXX. They left one voicemail, I called back requesting email updates, but no one followed up. 

Later, I discovered XXXX courtesy points deposited on XX/XX/XXXX without any explanation, email, or notification. I asked for fair compensation, but Chase refused anything beyond XXXX points ( ~ {$300.00} ), which is inadequate given the stress and disruption caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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