vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX posted an apartment on XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX for {$2000.00} a month. She asked me to fill out a short form with some of my contact information and then I was contacted by her " landlord '' XXXX XXXX. He had me fill out a sublease contract that looked pretty legitimate. He then asked me to XXXX for the first month 's rent and security deposit ( {$3000.00} total ) and gave me the XXXX information for XXXX XXXX or XXXX XXXX. He told me his XXXX XXXX XXXX XXXX XXXXXXXX XXXX but she is registered on XXXX as XXXX XXXX. XXXX limited the transactions to {$500.00} per day so I sent this account XXXX separate transactions of {$500.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Neither Wells Fargo, XXXX or XXXX flagged this as suspicious activity and allowed the transactions to go through. He got impatient with this and attempted to get me to send him money via different methods including a wire to his Wells Fargo account, XXXX XXXX XXXXXXXX XXXX XXXXXXXX account, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account. He told me his friend 's name is XXXX XXXX but she is registered on XXXX as XXXX XXXX. XXXX would not let me send money to XXXX XXXX XXXX so I tried XXXX XXXX or XXXX XXXXXXXX XXXX XXXXXXXX account for the remaining balance of {$1500.00} and it went through. I'm not sure why Wells Fargo, XXXX or XXXX didn't limit me to the {$500.00} XXXX for new recipients this time. I'm also not sure why Wells Fargo, XXXX or XXXX flagged that the recipient 's name did not match their XXXX registered name. Neither Wells Fargo, XXXX or XXXX is taking any responsibility in protecting their customers from situations like this. I called Wells Fargo to report XXXXXXXX XXXX XXXX account with them as an account used to commit fraud and they were not concerned at all. XXXX then told me he would meet me at the XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I arrived on time and he then told me he had a flat tire. He asked me to meet the next morning instead and then slowly stopped responding. I have screenshot evidence of all transactions and communication if needed.

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 2025-06-25 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Between XXXX and XX/XX/year>2025, I made multiple purchases from XXXX XXXX using my Apple Card. I returned nearly everything XXXX separate orders and have XXXX tracking receipts to prove the merchandise was delivered back to the retailer. But instead of issuing refunds to my Apple Card, XXXX XXXX issued me over {$5200.00} in store credit, which I neither wanted nor agreed to. 

I disputed these charges through XXXXpple Card/Goldman Sachs . Initially, I received provisional credits while the disputes were being investigated. But on or around XX/XX/XXXX and XX/XX/year>2025, the disputes were closed and the charges rebilled to me with the excuse that the merchant already issued a credit. 

Lets be clear : store credit is not a refund. I did not receive actual money back. I returned the merchandise in full compliance with the retailers policies, and I should have been refunded to my original method of payment my Apple Card. 

Apple Card and Goldman Sachs failed to protect me as a cardholder. I followed the rules. I provided all the proof. Instead of advocating for me, you sided with a merchant that withheld over XXXX XXXX dollars of my money and handed me unusable store credit like thats an equal exchange. Its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
On XX/XX/year> around XXXX I called credence resource the company who bought out my alleged debt. I kept asking for a detailed itemized report. I gave them my name, birthdate, social security number and address and they was having trouble finding any details about my account. They told me they was sending XXXX with a settlement debt that would take XXXX days to come through email. I received email on XXXX XXXX and it was just the debt settlement and not the detailed itemized report. On XX/XX/year> around XXXX I talked to XXXX XXXX XXXX customer support. I gave him my name, birthdate, social security number and address. He was having trouble finding my account details but after XXXX minutes he found some information. He told me I would be sent a detailed itemized report by mail in XXXX business days. On XX/XX/year> I submitted a dispute. They replied on XX/XX/year> stating they sent out mail on XX/XX/year> with itemized report. I received XXXX pages of paper work through the mail from credence resource dated from XX/XX/year>, none of the pages are itemized, and only has a total amount. credence resource also replied saying I had XXXX different numbers associated with this account that I have no knowledge of, and I have no knowledge of any devices. The paper work they sent me has no details of numbers or devices associated with this account or what I am exactly being charged for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IN

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the 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 non-monetary relief
Consumer complaint received 2025-06-25 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: IN

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank withdrew over {$6500.00} dollars from my personal checking account without my consent to pay a balance on a business credit card. The funds they took were financial aid from my graduate program at XXXXXXXX XXXX. This money was intended for XXXX XXXX XXXX XXXX, not for debt repayment. 

I did not receive any advance notice, and I never signed an agreement authorizing the bank to access my personal funds for a business debt. The account that was debited was not a business account. After I disputed the transaction, U.S. Bank denied my claim and failed to provide any documentation showing I gave permission for this action. 

Taking personal XXXX XXXX without consent or due process is wrong and harmful. I am sharing this publicly so that others are aware. If you are a small business owner or personally guarantee business credit, protect your personal accounts and review all agreements carefully. If this happens to you, speak up and take action. Please keep this in mind when opening up a bank account with U.S. Bank.

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 2025-06-25 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: AZ

Complaint narrative:
I am filing a complaint to formally dispute the following information that appears on my credit report. This is my first request, and I am asking that this item be investigated and removed if found to be inaccurate or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: AZ

Complaint narrative:
I am filing a complaint to formally dispute the following information that appears on my credit report. This is my first request, and I am asking that this item be investigated and removed if found to be inaccurate or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/year>, I was onboarded with XXXXXXXX XXXX XXXX company for a program on how to build a successful app. During the call, I had to ask the merchant representative to show his video as this is a high-ticket purchase ( {$3000.00} ) and he later showed his video. The assistant scheduled a meeting with me and the owner and the owner asked me to watch the videos and take action. 
Upon signing up to wat the videos, I realized he was just talking over XXXX XXXX, providing little or no value. He would refer students to XXXX to watch some videos instead of actually teaching how to use those programs. 
What's surprising is, I asked questions in the portal which was not answered for over XXXX weeks after I had disputed the transaction with BoA and emailed the Personal Assistant of the owner of XXXXXXXX XXXX XXXX 
BoA decline my dispute without actually looking at my reason for dispute. I called BoA again, but I was told I couldn't dispute the charge again.

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 2025-06-25 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
Identity theft and phone ported to another XXXX. Account open and attempted to send money from XXXX to Sofi account that was created unlawfully and unknown in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2024 XXXX unauthorized debit card withdrawals were made from my checking account in the state of XXXX, and I reside in XXXX XXXX XXXXXXXX XXXX  One for {$44.00}, and the second one for {$280.00}. I notified Citibank as soon as I found out about them, which was about XXXX days later. 
Initially, Citibank decided to honor my claim for the {$44.00} unauthorized withdrawal and make me eat the larger {$280.00} claim. Since I'm a Citi gold member, my representative at the bank got involved, and convinced the bank to honor the second claim as well, which they did. 
Now, I filling this complain because If I had not been a gold member and gotten the representative involved, Citibank would have made me eat the loss which is not fain because I reported the fraudulent withdrawals in a timely manner.

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 2025-06-25 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: NC

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved 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 2025-06-25 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: NC

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX. The issue concerns an auto loan account that was originally joint, but is no longer my financial responsibility as per the terms of a signed legal separation agreement. This document clearly states that I am not liable for the loan. 

I have already disputed this account with XXXX XXXX directly, as well as with all three major credit bureaus ( Equifax, Experian, and TransUnion ). In each case, I provided a copy of the signed separation agreement as legal proof that I should no longer be held financially responsible for this account. 

Despite this, the account continues to be reported under my name and is having a negative impact on my credit score. Ally has failed to acknowledge the legal documentation or take corrective action, and the credit bureaus have not removed the inaccurate information despite being notified. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting. XXXX continued furnishing of incorrect information, and the bureaus failure to correct it, violates those rights. 

I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX either : Provides legal justification for continuing to report this account under my name, despite my release of liability, or Immediately corrects the reporting with all three bureaus and removes the account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items is mandated. Kindly review the listed items below that requires correction : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-25 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: LA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit 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 explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit 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