vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Ongoing Fraud, XXXXXXXX XXXX XXXX Debt, and Platform Negligence Urgent Relief Requested Hello, I am submitting this complaint because I am the victim of a romance fraud scam and XXXX XXXX XXXX debt. I urgently need intervention regarding Wells Fargo, XXXX XXXX, and XXXX XXXX. 

Summary of the Scam : In XXXX XXXX, a woman named XXXX XXXX XXXX posed as my romantic partner and manipulated me into sending her money. 

She used threats of abandonment, emotional XXXX, and family integration promises to force me into financial dependence. 

This conduct constitutes XXXX  debt, which is recognized under California XXXX  XXXX protections. 


Financial Loss : Total sent directly to XXXX using XXXX  XXXX  : {$9800.00} Total amount I spent afterward trying to mitigate the XXXX  debt using my Wells Fargo XXXX XXXX  XXXX  : approximately {$30000.00} Initial fraudulent inducement amount : {$18000.00} Total Impact : approximately {$48000.00}. 

Platform Facilitation : XXXX used XXXX XXXX with a deliberately obscured identity ( profile picture hiding her face, no verified identity ) to evade fraud protections. 
XXXX XXXX does not warn users, does not flag repeat P2P transfers, and does not verify high-risk accounts. 

Bank Impact : 1. Wells Fargo XXXX XXXX XXXX XXXX ) The transactions were not normal purchases. 

They were XXXX  transfers under fraud and XXXX  XXXX, documented over 52 transactions.

Wells Fargo issued only {$2000.00} temporary credit, even though the fraud totaled $ XXXX from that card. 


2. XXXX XXXX I am a victim of a separate fraud involving a company called XXXX XXXX XXXX. 

XXXX XXXX issued me a credit card with a {$5000.00} balance already spent before I received it. 

They closed the dispute ( Case # XXXX ) despite the charges being fraudulent and unauthorized. 



-- - Request for Relief : I respectfully request : A full investigation into the XXXX  XXXX  XXXX  debt. 

A review of Wells Fargos limited provisional credit decision. 

A review of XXXX XXXX  improper dispute closure. 

A formal review of XXXX XXXX  negligent role in facilitating fraud without sufficient consumer protections. 


I am drowning financially and continue to struggle because every paycheck is being used to prevent maxing out debt created by fraud. 

In the screenshots attached, " XXXX '' is the fake profile used to extract funds from me. She either used a fake profile or she used someone else 's XXXX XXXX profile, that someone else let her use to commit fraud. 

Thank you for your assistance.

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 2025-11-27 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
Your Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX SSN ( last XXXX ) : XXXXXXXX  Date : XX/XX/XXXXXXXX  XXXX  XXXX XXXX XXXX XXXX TX XXXX Re : Formal Dispute of Affirm Accounts Under FCRA 1681i and UCC Contract Verification Requirements To Whom It May Concern, I am formally disputing the accuracy and legal validity of the Affirm, Inc. tradelines currently appearing on my XXXX credit file. These accounts are listed as POTENTIALLY NEGATIVE and include the following balances from my report : Affirm XXXX {$270.00} Affirm XXXX {$150.00} Affirm XXXX {$120.00} Affirm XXXX {$50.00} Affirm XXXX {$360.00} Affirm XXXX {$270.00} Affirm XXXX {$1000.00} Affirm XXXX {$100.00} Affirm XXXX {$1000.00} Affirm XXXX {$180.00} Affirm XXXX {$100.00} AFFIRM INC XXXX XXXX. Dispute Basis No Verified, Executed Contract ( UCC Article 9 & 3 Standards ) Under UCC Articles 3 & 9, any alleged creditor must possess : A valid, signed, executed contract containing my authenticated signature, Proof of value ( consideration ) given, Proof of a perfected security interest, A complete accounting and chain of assignment, if applicable. 

I am requesting that XXXX  obtain and verify the above items from Affirm pursuant to the dispute and reinvestigation obligations under 15 USC 1681i. 

If Affirm can not produce a wet-ink signature contract, itemized accounting, or proof of lawful authorization to report, the accounts are unverifiable and must be deleted immediately. 

2. FCRA Violations 15 USC 1681s-2 I am asserting my rights under the Fair Credit Reporting Act : A. 15 USC 1681s-2 ( a ) A furnisher may NOT report information that is inaccurate, incomplete, or unverifiable.

B. 15 USC 1681s-2 ( b ) Upon receipt of a dispute from a CRA, the furnisher must : Conduct a reasonable investigation, Review all evidence, Provide verification, and Correct or delete information that can not be verified. 

I am demanding full compliance with this statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I am submitting this dispute regarding several accounts on my credit report that I believe have inaccuracies or discrepancies. Below, I have provided the details of the charged-off accounts, inquiries, and late payments I am disputing, separated by each credit bureau . I request that these accounts be thoroughly investigated and corrected as per the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX  Date Opened : XX/XX/XXXX Late Payment : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-11-27 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: MD

Complaint narrative:
I am writing to dispute several inaccuracies and discrepancies found on my credit report. The accounts listed below are being disputed for various reasons, including incomplete or inaccurate reporting, and I request that a thorough investigation be conducted. Please find the details of the accounts I am disputing, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Late Payments : XXXX  XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
Dear Sir/Madam, I am writing to dispute several items on my credit reports that I believe to be inaccurate. These discrepancies have had a significant negative impact on my credit score and my ability to secure favorable financial terms. Below, I have listed the accounts in dispute, separated by each credit bureau. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX  XXXX Account Number : 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 2025-11-27 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:
Dear Sir/Madam, I am submitting the following information for your review and assistance with the dispute of certain accounts on my credit report. These items are listed by bureau, as follows : CHARGED OFF ACCOUNTS XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/2025, XXXX deactivated my account without justifying a reason. I can only surmise (! /? ) it was because I regularly use a VPN service for my protection. Since then, I have not been able to delete my credit cards on file nor redeem the cash balance on the account. It has been three months. If the account is deactivated, why can't I delete my credit card informtion from this account or retreive my cash balance? Also, I tried contacting PAYPAL, but have been stonewalled by an ariticial inteligence device during the chat or when I call. They have my money and my credit card information. It has been over three months with no justification. They are holding both ( money & credit cards ) without any recourse that I can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you look at this entry? It seems late and potentially wrong.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following inaccuracies on my credit reports. I request that you investigate the following items, as they do not accurately reflect my financial situation. Below are the disputed accounts separated by bureau : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX : XXXX, XX/XX/XXXX, {$0.00} XXXX : XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX  XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-27 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-27 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Barclays Card has failed to approve or deny me for the XXXX XXXX XXXX with XXXX bonus points

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 2025-11-27 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:
The reported item misstates my financial practices. Please evaluate the data and update it to ensure 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