vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX I paid merchant XXXX XXXX for a piano mentorship program thru XXXX. The program offered 3 months of video training thru zoom and offered self tutorial assistance thru their website among other benefits which I was supposed to have lifetime access to. The program cost {$2500.00} Euros. I paid about {$2600.00} USD. I did have my 3 months of virtual lessons, but I felt targeted during some of the virtual lessons and spoke about it to the merchant. The merchant did not like that and cancelled my contract denying me access to the lifetime benefits thru their website among other itemized entitlements. Not having access, removal of other entitlements and cancellation of how business is done midstream is not a loss but the upfront monetary agreement I paid, ethically as a token should be refunded. I informed XXXX that I did not receive all of my services and they referred me back to my bank. I have contacted my financial institution and they assisted me in getting a response from the merchant 's bank. XXXX assigned me a dispute case number : XXXX on XX/XX/XXXX. I explained that the money transfer was initially approved as a one time authorization on XX/XX/XXXX, but by XX/XX/XXXX it became obvious the merchant was not going to do business in good faith and honor the contract or the itemized receipt of benefits and entitlements that I had paid for upfront. XXXX said they had received an answer from the Merchant 's bank Wells Fargo that the charge was an authorized one. As to the response from the Merchant 's bank, Wells Fargo, I was told proof could be provided that the original charge on XX/XX/XXXX was authorized and valid. But regardless the response, like I outlined earlier the said amount was paid in good faith on the XX/XX/XXXX but on XX/XX/XXXX their merchant cancelled the contract and froze me out of the lifetime access to the website I paid for and I have verbiage on the itemized receipt to unfulfilled entitlements. Wells Fargo provides cover and a vehicle platform for this merchant to be unethical, not honor his transactional obligations fully and cancel contractural business that payments made were based on. Wells Fargo allowing this merchant to conduct business in this fashion amounts to duplicitous involvement in a type of scam to cheat people out of their money. 

ATTACHMENTS

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 2025-10-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Formal Dispute Immediate Deletion under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 To Whom It May Concern, This is a formal and unequivocal demand for immediate investigation and deletion of inaccurate, unverifiable, and identity-misassociated information from my credit file. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2, you must block and delete disputed items within four ( 4 ) business days of receipt. Failure to comply will result in legal action for willful and negligent noncompliance, with statutory damages and fees. 
Delete the following negative accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( or similar ) Reported as Collection/Charge-off. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charged-off/derogatory. 
Remove all unauthorized hard inquiries within the last XXXX ( XXXX ) years, including but not limited to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Addresses : Delete all addresses other than my current and correct address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Remove all other addresses and name variations ( including but not limited to XXXX XXXX XXXX, XXXX XXXX, and similar ) linked in error. 
These items are disputed as inaccurate and/or not verifiable. Under 15 U.S.C. 1681c-2 ( a ), block disputed information within four ( 4 ) business days. Reporting obsolete, unverified, or misattributed data violates 605 ( b ) and subjects you to liability under 1681n and 1681o.

Provide written confirmation of deletion within four ( 4 ) business days from the date above or I will file suit without further notice seeking statutory damages, attorneys fees, and injunctive relief. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
information is wrong i was never late i never had the car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: MS

Complaint narrative:
I looked on my credit report and noticed that there were several fraudulent, unverified accounts on my credit profile. I notified the credit bureaus and the creditors by certified mail on XX/XX/year>. ( I have included a copy of the certified mail receipt ). I asked for the original wet-ink signed documents used to open these fraudulent, unauthorized, and unverified accounts. I got the run- around. I NEVER received the requested items from the creditors nor the credit bureaus ( Transunion, Experian, and Equifax ). I am entitled to these documents under the FCRA laws. I have been left on hold for hours and the credit bureaus continue to report these fraudulent accounts in willful and deliberate defiance of the FCRA laws. This has caused me significant financial harm and humiliation. The credit bureaus are running sham investigations and leaving me to hold for hours at a time. This is shameful hideous behavior. I have had to hire an attorney to assist me in this endeavor as I have been turned down for loans because to the credit bureaus reporting fraudulent accounts

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 2025-10-25 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: GA

Complaint narrative:
I am submitting this complaint because several accounts on my credit report are being reported inaccurately, unverified, and in violation of the Fair Credit Reporting Act ( FCRA ). These accounts have severely affected my credit standing and do not reflect accurate or verifiable information. I have made multiple attempts to resolve these issues directly with the creditors and credit bureaus, but the inaccuracies persist. 

The following accounts are in dispute : XXXX Bank ( Account XXXX : XXXX ) Reported with late payments. I dispute the accuracy of these reported delinquencies, as the creditor has failed to provide documentation verifying the alleged late payments. 

XXXX XXXX Bank XXXX ( Account No : XXXX ) Reported as a collection account with a balance of {$7900.00}. This is inaccurate and has not been verified through proper documentation as required under the FCRA. 

XXXX XXXX ( Account XXXX : XXXX, Opened XX/XX/XXXX ) Reported as a charge-off with a balance of {$10000.00}. I have no record or contract supporting this account, and no proof of ownership has been provided. 

XXXX XXXX ( Account XXXX : XXXX, Opened XX/XX/XXXX ) Also reported as a charge-off with a balance of {$2900.00}. This appears to be a duplicate or erroneous entry and should be immediately investigated and removed if found unverifiable. 

XXXX XXXX XXXX ( Account XXXX : XXXX ) Reported as a collection account with a balance of {$11000.00}. I request verification of this account and the full payment history, as I dispute the accuracy of this reporting. 

XXXX ( Account XXXX : XXXX ) Reported as a charge-off with a balance of {$990.00}. This information is inaccurate, and the creditor has failed to substantiate this claim with valid proof. 

These accounts are damaging my credit reputation and appear to be reported without proper validation or adherence to federal reporting standards. Under 15 U.S.C. XXXX and XXXX of the Fair Credit Reporting Act, I am requesting that the CFPB initiate a full investigation into these accounts to ensure they are properly verified, corrected, or deleted if found inaccurate or unsubstantiated. 

I am requesting that all credit reporting agencies be instructed to remove or correct these accounts if the furnishers can not provide legitimate, verifiable proof of the debt and the accuracy of the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Charges on my credit card statement was fraudulent and unauthorized XX/XX/year> XXXX Best Buy XX/XX/year> XXXX Best Buy XX/XX/year> 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 2025-10-25 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: FL

Complaint narrative:
I am requesting clarification on the method used to verify my block request for a fraudulent account reported under XXXX XXXX, opened on XX/XX/year>, with account number XXXX and a balance of {$940.00}. I submitted all required documentation, including FTC Police Report # XXXX, my government-issued ID, proof of address, and Social Security verification . I specifically requested that this fraudulent item be blocked within four business days ; however, this has not been completed. Please provide an explanation of how my request was verified and the current status of the block.

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 2025-10-25 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: FL

Complaint narrative:
XXXX XXXX SOC SEC # XXXX DOB XXXX  ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXXEquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis\nletter\nis\nto\ninform\nyou\nthat\nI\nrecently\nreceived\na\ncopy\nof\nmy\ncredit\nreport\nthat\nyour\ncompany\npublishes\nand\nafter\nreviewing\nit\nI\nfound\na\nnumber\nof\nitems\non\nthe\nreport\nthat\nare\ninaccurate.\nThe\naccounts\nin\nquestion\nare\nlisted\nbelow.\nPlease\nsend\nme\ncopies\nof\nthe\ndocuments\nthat\nyou\nhave\nin\nyour\nfiles\nas\nof\nthis\ndate\nthat\nyou\nused\nto\nverify\nthe\naccuracy\nof\nthe\naccounts\nlisted\nbelow.\nUnder\nthe\nFair\nCredit\nReporting\nAct,\n15\nU.S.C.\n\n1681g\nI\nhave\nthe\nright\nto\ndemand\nthat\nyou\ndisclose\nto\nme\nall\nof\nthe\ndocuments\nthat\nyou\nhave\nrecorded\nand\nretained\nin\nyour\nfile\nat\nthe\ntime\nof\nthis\nrequest\nconcerning\nthe\naccounts\nthat\nyou\nare\nreporting\nin\nmy\ncredit\nreport.\nPlease\ndont\nrespond\nto\nmy\nrequest\nby\nsaying\nthat\nthese\naccounts\nhave\nbeen\nverified.\nSend\nme\ncopies\nof\nthe\ndocuments\nthat\nyou\nhave\nin\nyour\nfiles\nthat\nwere\nused\nto\nverify\nthem.\nIf\nyou\ndo\nnot\nhave\nany\ndocumentation\nin\nyour\nfiles\nto\nverify\nthe\naccuracy\nof\nthese\ndisputed\naccounts\nthen\nplease\ndelete\nthem\nimmediately\nas\nrequired\nunder\nSection\n611(a)(5)(A)(i).\nBy\npublishing\nthese\ninaccurate\nand\nunverified\nitems\non\nmy\ncredit\nreport\nand\ndistributing\nthem\nto\n3\nrd\nparties\nyou\nare\ndamaging\nmy\nreputation\nand\ncredit\nworthiness.\nUnder\nthe\nFCRA\n15\nU.S.\nC\n.\n\n1681i,\nall\nunverified\naccounts\nmust\nbe\npromptly\ndeleted\n.\nTherefore,\nif\nyou\nare\nunable\nto\nprovide\nme\nwith\na\ncopy\nof\nthe\nverifiable\nproof\nthat\nyou\nhave\non\nfile\nfor\neach\nof\nthe\naccounts\nlisted\nbelow\nwithin\n30\ndays\nof\nreceipt\nof\nthis\nletter\nthen\nyou\nmust\nremove\nthese\naccounts\nfrom\nmy\ncredit\nreport.\nPlease\nprovide\nme\nwith\na\ncopy\nof\nan\nupdated\nand\ncorrected\ncredit\nreport\nshowing\nthese\nitems\nremoved.\nI\ndemand\nthe\nfollowing\naccounts\nbe\nproperly\nverified\no\nr\nremoved\nimmediately.\nN\name\nof\nAcc\nount\n:\nAccount\nN\number\n:\nP\nro\nvi\nde\nP\nh\ny\ns\nic\na\nl\nP\nroo\nf\no\nf\nV\ner\nific\nat\ni\nonXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CHARGE OFFXXXXHistory: XXXX XXXXLate Dates: XXXX XXXXXXXXNOTE\n:\nP\nl\nease\na\nl\nso\nremo\nv\ne\nall\nnon\n-\naccount\nho\nl\nd\ni\nng\ni\nnqu\ni\nr\ni\nes\no\nv\ner\n30\nda\ny\ns\no\nl\nd\n.\nT\nhan\nk\nYou,\nAttached\n:\nCopy\nof\nmy\nSocial\nSecurity Card\n&\nDrivers\nLicense\nis\nattached\nSent:\nUSPS\nCertified\nMailXXXX 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 2025-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
I have all the proof I filed a loan application with XXXX XXXX I got approved the lady asked me to upload all the documents and I did that then she said at XXXX XXXX that they about to go home for the day can I come tomorrow to pick up my check I said ok so when the next day came I called her asked her did she have all my documents and can I come get the check she said everything looks good and I can come get my check so I told her be there in XXXX minutes when I walked through the door I seen it on her face her eyes got big and looked at me crazy so I sat down she had nobody in store but made me sit there for awhile then then she called me over with aggression in her voice told me to sit like a dog so I just sat then she said can I re upload my id it was blurry but I left Id at home so I asked can i have my mom send a picture but for some reason she wanted me to go get it so I left to go get it and I uploaded like she told me to then while I was headed back up there she called and made a lie saying her manager looked at my credit again which I know was a lie cause I get alerts every time someone check my credit and thats how yuh know it was racism cause why would she look again when I got approved and all information turned in and she said the manager saw I had a loan with possible back in XXXX  and that Im not approved no more I felt so I hurt that they looked at my skin color and really made a lie Im pretty sure if yu look at the people they give loans to XXXX percent had worst credit then me which the loan was a credit builder loan as nd plus that loan was XXXX  years ago and just XXXX little loan I felt like it was nothing but profiling me as a XXXX man and if yall think Im lying look back at the people they gave loans to and Im pretty sure yall wouldnt understand why I got denied but I have all the proof

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 2025-10-25 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: NY

Complaint narrative:
I submitted a formal dispute regarding bankruptcy-related information on my credit report. While the bankruptcy itself is accurate, I requested verification of the source that reported it. The bureau responded that the information was verified as accurate without explanation, despite my evidence from the U.S. Bankruptcy Court confirming that they do not report to credit bureaus.

When I called to follow up, the agent refused to disclose the source of the verification, denied me access to a supervisor, refused to provide their name or employee ID, and said I was not authorized to record the call. I felt disrespected, obstructed, and emotionally violated.

I am requesting a full reinvestigation, written disclosure of the verification source, removal of any unverifiable data, and consideration of damages due to emotional distress and violation of my rights 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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws.

This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-25 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: AR

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: NC

Complaint narrative:
I am filing this complaint against TransUnion for continuously reporting an inaccurate and fraudulent account on my credit file. I have disputed this account multiple times and provided full documentation, including an Identity Theft Report and proof of my identity ( drivers license and proof of address ). Despite this, TransUnion has failed to properly investigate and continues to report this false account as valid. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a reasonable investigation and delete unverifiable or fraudulent information. TransUnions ongoing inaction has caused unnecessary damage to my credit profile and financial reputation.

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 2025-10-25 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-10-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing inquiries that are listed on my credit report, that are not mine nor belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent inquiries on my repor

Company response to consumer: Closed with explanation