vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: NJ

Complaint narrative:
On XXXX XXXX XXXXXXXX, I was charged {$250.00} by a XXXX provider ( XXXX XXXX ) without my knowledge or consent for extra fees. 

I booked a service through XXXX at a fixed price. The provider changed the appointment location an hour before my appointment ( without updating the platform ) and added a $ XXXX service extension fee after the service was completed. The provider claims she disclosed these charges verbally, but I confirm this never happened. 

Key Points : She actually charged my card the higher amount first and only explained after I asked why the total was so high. 
When I questioned the price, she claimed it was a system glitch and then explained the difference. This was misleading and unfair, as I was not given the chance to approve or decline the charges before they were processed. 
She now claims the price was subject to change due to the severity of my hair, but she never disclosed this in person and even complimented me on how well my hair was kept. 
My hair was not in severe condition, and this excuse is being used after the fact to justify the charge. 
The $ XXXX extension fee was never mentioned or agreed to in person. This was added after the fact without my knowledge. 
Additionally, I paid a {$110.00} deposit using my XXXX XXXX card before the appointment, and that amount was supposed to be applied toward the total cost. It was not credited, and I was still charged the full {$250.00} on top of the deposit. This means I was overcharged by at least the deposit amount. 

Wells Fargo initially issued a provisional credit but later reversed it, despite all this evidence. Their decision appears to have been based on the merchants false statements. 

I am attaching : Booking screenshots showing fixed pricing Proof of last-minute location change Merchants email to XXXX showing inconsistent and emotional statements My statement confirming the fee was never disclosed Proof that the {$110.00} deposit was paid but not credited Provisional credit and reversal letters from Wells Fargo This charge was unauthorized and violates fair billing practices. I am requesting CFPB review and action. 

Sincerely, XXXX XXXX Phone : 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 2025-07-25 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: CO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NV

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX  data breaches or 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 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
A Firm is trying to collect on a bill I paid off 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: MA

Complaint narrative:
On XXXX XXXX XXXX Westlake Financial funded a vehicle loan for a car that I never received. Despite repeated promises from the dealership, the car was never delivered. I paid a down payment using my credit card through a merchant link they provided, but the vehicle was not registered or insured under my name. My insurance agent confirmed that as of today, the vehicle has still not been registered.

I contacted Westlake Financial to cancel the loan and report the issue but was unable to reach a live agent. I also called my bank to dispute the credit card charge and submitted a complaint. Westlake has not refunded the loan funds or acknowledged the unresolved situation. 

I am requesting immediate cancellation of the loan, removal of all financial liability from my name, and confirmation that this will not affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 explanation
Consumer complaint received 2025-07-25 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: MN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX Final Rule XXXX02.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion for its failure to respond to a formal credit dispute I submitted in a letter dated XX/XX/year>. In that letter, I disputed inaccurate information appearing on my credit report and enclosed all required identity verification documents, including a government-issued photo ID, Social Security card , and a recent bank statement reflecting my current address. 
Despite providing a valid and well-supported request, TransUnion has failed to issue any response or resolution. More than 30 days have passed since my submission, in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation and provide the results within 30 days. 
TransUnions failure to act is a clear breach of federal law and a denial of my consumer rights. This inaction is preventing me from correcting potentially damaging errors on my credit report and is causing ongoing harm to my financial standing. I am attaching a copy of the original dispute letter as supporting documentation.

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 2025-07-25 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the collection account. I believe this account is inaccurate because, the reported balance is incorrect. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be investigated and removed or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: WA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX TransUnion, and XXXX  for XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, XXXX is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. 
Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer.

I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( XXXX ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. 
Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your 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 2025-07-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX  I voluntary surrender vehicle because emission system was going out on vehicle. I called credit acceptance to advise them of the issue. The issue was dangerous the car would cut off in the middle of highways, interstates, and streets. When advised them of the issue I was told to call the dealership where car was purchased from which is XXXX XXXX XXXX located on XXXX XXXX in XXXX XXXX XXXX XXXX Sales was permanently closed and with purchase of the car I had a 2 year warranty to have any issues with the car fixed. I reached back out to Credit acceptance advising them again of warranty and dealership being closed. They told me it was nothing they could do and I could voluntarily surrender vehicle and it would be sold. Once I voluntarily surrendered I received a letter stating the car was sold for XXXX and I owed the remainder which I had no knowledge of. I was not informed of this information when called with the issues.That remaining balance is negatively reporting to my credit as late payment and VS ( voluntary surrender ). Disputes are declined and had this warranty I paid for been followed through no voluntary surrender would have been done. I am not responsible for the remaining balance and need it removed from my credit expeditiously.

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 2025-07-25 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: UT

Complaint narrative:
MOHELA has approved my Federal Student Loans for Income Based Repayment ( IBR ), - the payment plan not held up in the courts- but has not taken me out of forbearance and started taking automatic payments though I have requested several times. I want to start making payments and receiving credit towards PSLF. 

Letter from MOHELA states : " An income-driven repayment ( IDR ) plan request has been approved for some, or all, of your loan ( s ). Please refer to the Loan Information below, which specifies the loan ( s ) approved for the repayment plan terms listed. 
You will also receive a new repayment schedule with more details about your repayment plan. 
First Scheduled Due Date : XX/XX/scrub>XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-07-25 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: TX

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief