vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration. There are multiple errors on my credit report that I can no longer ignore, as they have been negatively affecting my life and damaging my credit score. These inaccuracies are preventing me from achieving financial freedom and stability, and the ongoing impact has become unbearable.

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 2025-11-19 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: GA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, Wells Fargo removed {$6200.00} from my personal checking account without notice or authorization. The funds were originally sent to me via XXXX from a XXXX account 90 days earlier. 

XXXX later determined this reversal was a mistake and stated that the funds were re-sent on XX/XX/year>. The money was deducted again from the XXXX business account, but the {$6200.00} never arrived at Wells Fargo. 

Wells Fargo states they have no record of receiving it. XXXX refuses to provide the trace number required to locate the funds. 

Wells Fargo also permanently shut down my XXXX access and twice locked me out of my online banking even though I never reported fraud or violated any terms. 

Both banks are denying responsibility, withholding documentation, and blocking resolution. I have now been missing {$6200.00} for nearly a month.

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My original claim was denied, I am now filing it under a separate section I believe was more accurate. I was scammed out of my debit card information through an report.appeal.assistance discord scam. I called WellsFargo, and my claim was filed under did not receive any goods or services, which is also true, I then ordered a new card. For the transaction, I did not know I would not be able to receive my money back as promised by the person who instructed me to initiate the fund transfer. The scammer originally attempted to get me to transfer funds through XXXX to the number XXXX registered under the name XXXX XXXX. This took place on XX/XX/year>, the claim was in the middle of the night, on XX/XX/year>. On XX/XX/XXXX, my claim was denied with no reason given for the denial of reimbursement of funds of XXXX separate charges, each {$170.00}, totaling {$700.00} USD. On XX/XX/XXXX, I then received notice from the CFPB that my claim was still being worked on. On XX/XX/XXXX, I called the number given to me when WellsFargo had first called to inform me my claim was being worked on, and I was sent to voicemail. On XX/XX/XXXX, I received mail that my appealed claim was denied under the reasoning that " I indicated the funds were transferred to the recipient successfully ''. While I did mean to press the funds, I was under the influence of a person I trusted to reimburse me as promised and as indicated in the below screenshots, as well as transfer me what I was instructed I would receive. I did not receive anything in return, nor my promised reimbursement from the person who instructed me to initiate the transaction, and I did not mean to allow the person to permanently take my money, nor did I know the full amount being taken due to the money being in a different country 's money format. I do not know the actual format of the money, only that it was XXXX each time totaling 4 times. The company XXXX was the company that the payment took place through, and I had never used this pay format before, as well as not knowing what was actually going to happen to my funds. I was wrongfully deceived and am a victim of fraud, and would like a full reimbursement of the {$700.00}, as I had not wanted to lose over 98 % of the money in my bank account. Once again, this is a refiling of a separate claim that I had, filed under a new category I believe fits the description of what happened more than what I had previously filed it under ( unreceived goods ). Furthermore, the person who influenced me then took more money than the originally agreed upon amount of {$99.00}, and I was unable to tell due to the payment authorization being in a different language. If needed, I will request the documents WellsFargo relied upon to make the original decision.

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 2025-11-19 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On Sunday, XX/XX/XXXX, Chime took {$20.00} from my checking account without my permission. The transaction was labeled as a repayment from XX/XX/XXXX, but I never authorized this charge and they waited over a year to take the money. 
During that entire year, I received multiple direct deposits and transfers, and Chime NEVER took anything out of my checks or deposits for this supposed repayment. 
I contacted Chime and asked why this money was taken and why it was done so late. They did not provide a clear explanation or return my funds. 
I am requesting a full refund of the unauthorized {$20.00} and an explanation for why this delayed debit was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is refusing to recognize a fraudulent account even after I provided an Identity Theft Report issued by the FTC. They continue to hold me responsible for a debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I made a purchase through my Truist checking account on XXXX XXXX XXXX in the amount of {$380.00} from an online company named tobehis.com and the order was supposed to arrive within 5 days. It never arrived and I reached out to the merchants website several times as they do not have a phone number. They never responded so on XXXX XXXX I filed a claim with Truist to request the funds be credited to my account. I received a letter from Truist dated XXXX XXXX and in the letter Truist advised they that it could take up to 120 days to investigate and issue a credit however they would not issue a provisional credt in line with Regulation E. I've been in touch with Truist several times and I was advised on XXXX XXXX that their fraud department approved the credit in XXXX however it was never never credited to my account. They informed me that they had until XXXX XXXX because the claim was filed by me on XXXX XXXX. I called today XXXX XXXX  to inquire about the credit and they told me that I had to wait another 120 days for them to investigate. I requested a supervisor and the supervisor advised that the information I was given was incorrect even though she see 's in the notes that the credit would be issued. She then told me that I would not receive my funds back unless they got it back from the merchant. I advised that if they're a fraudulent company how they expected to get the funds back and what my recourse was to which they told me there was not recourse.

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 2025-11-19 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: FL

Complaint narrative:
Equifax is reporting inaccurate and conflicting information in violation of FCRA 607 ( b ), 609, 611, and 623.

Errors include : Inconsistent Account Status Equifax reports 1 open account, conflicting with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Account dates do not match across bureaus. 

Incorrect Collection Reporting XXXX and XXXX XXXX accounts have conflicting dates, balances, remarks, and statuses. 
Equifax remarks Collection account without providing verification. 

Employment information incorrect Equifax lists XXXX XXXX XXXX XXXX XXXX, which is incomplete and unverified. 

Personal Address Format Issues Equifax address formatting conflicts with other bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: DC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 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: DC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX XXXX  - Balance : {$3800.00} - Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXXXXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXXXXXX XXXX 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

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
I received phone calls in which I was informed that I allegedly owed a debt and was required to pay it by XXXX, XXXX XXXX XXXX XXXX, XXXX I requested proof of the alleged debt, but they refused to provide any documentation. 
I later received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX addressed to XXXX XXXX XXXX. The letter was incomplete and contained missing information. As I had no prior knowledge of this alleged debt before the phone calls, I believe it to be retaliation by Progressive after I filed a complaint against them regarding a claim denial. Only after filing that complaint did I hear from XXXX, XXXX XXXX XXXX XXXX, XXXX attempting to collect this alleged debt. 
The initial amount claimed was {$3600.00}. However, I have documentation from XXXX showing that I owed {$0.00} as of XX/XX/XXXX. ( See attached. ) I later informed the Pennsylvania XXXX Department ( PID ) of the unethical actions taken against XXXX XXXX XXXX and the errors in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX collection attempt, XXXX of which was that the letter contained no date. 
XXXX weeks later, I received a second collection letter from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, this time addressed to my personal name, again claiming the alleged amount of {$3600.00}. 
I immediately requested written proof of the alleged debt via first-class mail. 
Around this time-approximately XXXX months+ later| received a call from a sheriff informing me that there is a lawsuit filed against XXXX XXXX XXXX, which XXXX XXXX have not received. I believe this is retaliation and an unethical action on XXXX, XXXX XXXX XXXX XXXX, XXXX part. I have not received any proof of the alleged debt at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: WI

Complaint narrative:
I am writing to dispute and request the immediate removal of a fraudulent credit account reported under XXXX XXXX XXXX XXXX Credit Card. This account was not opened by me. 

At the time the account was opened, I was incarcerated and physically unable to apply for, authorize, or use any credit account. Because of my incarceration, it was impossible for me to have opened or participated in any activity involving this account. This is therefore a clear case of identity theft.Under the Fair Credit Reporting Act ( FCRA ), I am asserting the following rights : FCRA 605B 15 U.S.C. 1681c-2 ( Identity Theft Blocking ) Under this law, the credit bureau is required to block all information resulting from identity theft within four ( 4 ) business days of receiving proof of identity theft. This letter, along with my supporting documentation, serves as my formal request to block and remove this fraudulent account immediately. 

FCRA 611 15 U.S.C. 1681i ( Reinvestigation Rights ) I am requesting a full reinvestigation of this fraudulent account. The FCRA requires the credit bureau to complete this investigation within the 30-day statutory period.FCRA 602A 15 U.S.C. 1681 ( Right to Accurate Reporting ) This law provides me with the right to have accurate and fair credit reporting, and to be protected against identity theft and inaccurate information.

FCRA 609 ( e ) 15 U.S.C. 1681g ( e ) ( Right to Fraud Account Documents ) I am exercising my right to request copies of all documents related to this fraudulent account, including but not limited to : the credit application any signatures transaction records IP addresses used statements account history This information must be provided to me by the creditor upon request as required by federal law.18 U.S.C. 3663A ( Identity Theft Enforcement and Restitution Act ) Identity theft is a federal crime. I am asserting my rights as a victim to have all fraudulent information removed from my credit reports. 

Requested Actions I request the following : Immediate blocking and removal of the fraudulent XXXX XXXX XXXX XXXX Credit Card account Removal of any related inquiries, balances, or delinquenciesCorrection of my credit file to reflect identity theft Written confirmation of the results once the investigation is complete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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