vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Formal Complaint Against Wells Fargo Executive Office employee XXXX I. 

I am compelled to submit a formal complaint regarding the deliberate and obstructive mishandling of my account by Wells Fargo, orchestrated by XXXX I. My account, which Wells Fargo ( XXXX XXXX. ) confirmed would be closed in retaliation on XX/XX/XXXX, remains open in a negative balance, suspended indefinitely by a purported fraud hold that is fabricated and wielded as a tool of further retaliation. 

XXXX XXXX, who was assigned to oversee complaints I had previously raised against her, has exploited her authority vindictively marking my account as fraud. More so, rather than allowing closure of my account or facilitating resolution, she has further left it in limbo, actively prolonging financial harm. Her conduct represents a clear abuse of power, a calculated effort to punish rather than resolve, and a direct obstruction of my rights as a customer. 

The dispute at the center of this matter involves funds rightfully owed to me. The merchants head office explicitly instructed me to contact the merchant directly to recover the funds. Despite repeated, diligent attempts, the merchant failed to respond. Wells Fargo, under XXXX I.s supervision, has refused to perform any due diligence of my claim or assist in recovering these funds, allowing XXXX XXXX to exploit internal processes to obstruct and frustrate my legitimate claims. 

This conduct mirrors Wells Fargos long-standing patterns of systemic misconduct : the XXXX unauthorized accounts scandal, the XXXX mortgage rate-lock fee debacle, repeated misuse of internal fraud holds to retaliate against customers, and the XXXX CFPB enforcement action in which over a XXXX accounts were frozen without proof of fraud. My experience reproduces these failings : fraudulent account holds, denial of legitimate claims, obstruction of account closure, and institutional prioritization of employee protection over accountability. 

XXXXXXXX XXXX XXXX continued inaction has left me financially harmed, blocked the fraudulent closure of my account as of XX/XX/XXXX, and exposed me to ongoing retaliatory measures. Immediate executive intervention is required to recover the funds owed to me, clear the negative balance, and ensure the account is closed without obstruction. 

XXXX I.s orchestration of this prolonged and punitive process, her deliberate delays, and her manipulation of internal procedures render her a central agent of injustice in this matter. I demand that Wells Fargo address her conduct decisively and remediate the harm she has caused to uphold customer rights and restore institutional integrity.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because I was alarmed to find multiple inaccuracies and misreported late payments on my credit report that do not reflect my actual account activity, which could negatively affect my creditworthiness and financial opportunities. Specifically, my XXXX XXXX account ending in XXXX inaccurately reports late payments on XX/XX/XXXX through XX/XX/XXXX ( XXXX  days late ), XX/XX/XXXX ( 6XXXX days late ), XX/XX/XXXX ( XXXX days late ), XX/XX/XXXX ( XXXX days late ), and from XX/XX/XXXX through XX/XX/XXXX ( XXXX days late ). Similarly, my XXXX XXXX account ending in XXXX reports late payments from XX/XX/XXXX through XX/XX/XXXX ( XXXX days late ). These reported late payments are inconsistent with my own records. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to ensure that these inaccuracies are corrected. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that consumer reporting agencies maintain maximum possible accuracy, and it is clear that my accounts do not meet this standard. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) requires furnishers to report accurate information and promptly correct errors, which directly applies to the misreported late payments on my accounts. FCRA 611 ( a ) ( 15 U.S.C. 1681i ) gives me the right to dispute incomplete or inaccurate information and mandates a full reinvestigation within XXXX days. Moreover, FCRA 605 ( a ) ( 15 U.S.C. 1681c ) emphasizes that outdated or obsolete information must be reported correctly, and FCRA 609 ( a ) ( 15 U.S.C. 1681g ( a ) ) allows me to access all information in my credit file to verify its accuracy. Therefore,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a complaint to formally dispute the reporting of late payments on several accounts listed on my credit report. Upon review, I noticed that multiple late payments have been reported incorrectly, which is adversely affecting my credit and financial opportunities. Specifically, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported with late payments for XX/XX/XXXX through XX/XX/XXXX, and again in XX/XX/XXXX, each listed as XXXX XXXX late, despite my records showing that payments were made on time and in full. This inaccurate reporting violates FCRA 1666 ( 15 U.S.C. 1666 ), which mandates the correction of billing errors, and FCRA 611 ( 15 U.S.C. 1681i ), which requires a reasonable investigation into disputed information. Similarly, the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account is incorrectly reported as late for XX/XX/XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX XXXX XXXX XXXX XXXX, though payments were made on time, in violation of FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), which obligates furnishers to correct and update reported information. The XXXX XXXX XXXX XXXX XXXX XXXX account is also reported with late payments for XX/XX/XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, despite timely payments, and the continued reporting is harmful to my credit, violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX account is reported as late for XX/XX/XXXX XXXX XXXX XXXX XXXX, though my payment was made on time, violating FCRA 1666 and 611. Finally, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reported as late for XX/XX/XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX even though payments were made on schedule, which violates FCRA 1666 and 623 ( a ) ( 2 ). These inaccuracies misrepresent my payment history, negatively impacting my credit score and access to credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, around about XXXX XXXX  central time, I went to the grocery store trying to purchase food for my family. I had just gone a deposit from my job and I also had over {$400.00} in my account. When I got to the register to pay for my items, my card was declined. I thought it was because I had it locked only to call Chime Financial and find out that they had closed my account due to me filing a XXXX  XXXX Bankruptcy. I asked the Chime Representative why I wasn't notified that my account was going to be closed so I could withdraw my money out and they didn't have an answer for me. The representative actually hung up on me. I called back and spoke with a different person that was supposed to have been a supervisor and was not. I asked for her ID number, and she refused to provide it. I called back and to another person. He informed me that I wouldn't get my money back because I was in a XXXX  XXXX bankruptcy and I needed to seek legal counsel. I don't have any food for my family ; I need my money to pay my bankruptcy and my bills. Chime Financial took my money which was over {$1500.00} and closed my account. I don't have food for my family and utilities are about to be cut off. Please help me! I even asked if they would send my money to my daughter 's Chime account and they told me I would have to seek legal counsel to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was instructed by an online merchant to wire {$6400.00} to their account at Navy Federal Credit Union. On XX/XX/XXXX, I wired money over. On XX/XX/XXXX, the online merchant emailed and told me they refunded me and wanted me to wire to a different account. I realized that I may have encountered a scam. My bank and myself called Navy Federal Credit Union on the same day. We were told the account we wired into was compromised and asked us to recall the wire. My bank recalled wire immediately. To me, if bank already know an account is compromised, it should stop taking wires to protect consumers. After my bank recalled wire, Navy Federal Credit Union requested a hold harmless letter from my bank. My bank provided ASAP. As I file this complaint, it has been over two months. Navy Federal still has not returned my money. They kept on telling me that the case is under review without a target completion date. We had reported issue within 48 hours after issue was identified. Navy Federal already knew the account was compromised at the time they received wire. They should have taken necessary steps to protect consumers. For this scam, I had reported to FTC and XXXX on XX/XX/year> after Navy Federal Credit Union told us that the account was compromised

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
The nature of my complaint is that these companies are engaged in practices that abuse consumers, including myself : violating my rights under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1640 ( f ) ( 2 ), which limits consumer liability for unauthorized use of a credit card including driver license. Debt Collectors are attempting to collect on debts that are old, inaccurate, or that have been previously written off and sold by the original creditor, a practice that can be deceptive. These practices violate Section 5 of the FTC Act, which prohibits unfair or deceptive acts or practices. I am providing this information to urge the FTC to investigate this entire ecosystem that profits from inaccurate data and causes significant harm to consumers. XXXX. Inaccurate Information : My credit file contains information about debts that are inaccurate. These debts were allegedly charged off and sold by the original creditor, yet they continue to be reported as collectible obligations by third party debt buyers. XXXX. Failure to Investigate : I have disputed these inaccurate items with the credit bureaus, yet they have failed to conduct a reasonable investigation and have continued to report this erroneous information. XXXX. Data Sale Without Consent : The credit reporting agencies facilitate the sale of my financial data to third-party debt buyers without my explicit consent. I am never informed of these transactions before they appear on my credit profile, violating my right to privacy and accuracy. XXXX. Collection Attempts on Invalid Debt : Debt collectors are attempting to collect on debts that have likely been written off and for which the statute of limitations may have expired. This activity violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Alleged Violations Include : FCRA 605B ( 15 U.S. Code 1681c-2 ) : Failure to block fraudulent information upon request. 15 U.S. Code 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy. 15 U.S. Code 1681 ( a ) ( 2 ) : Improper use and dissemination of consumer credit information. 15 U.S. Code 1666b and 12 CFR 1026.13 : Violations related to billing error resolution procedures. 15 U.S. Code 1692c and 1692g : Violations under the Fair Debt Collection Practices Act ( FDCPA ) regarding communication and validation of debt. 15 U.S. Code 1681 ( 2 ) ( xi ) : Improper reporting of charged-off accounts without proper documentation. Florida Statutes Chapter 679, Article 9 of the Uniform Commercial Code : Violations concerning secured transactions and consumer protections under Florida law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
identity theft-request for Blocking of Fraudulent accounts According to FCRA 605B ( 15 USC 1681c-2 ) These account were open without my consent or knowledge ; XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were due to Experian, Equifax, and TransUnion data breaches causing my information to used. 
Also, the fraudulent addresses that on my consumer report : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ) XXXX XXXX XXXX XXXX, TX 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint regarding a Capital One account that was included in my XXXX  XXXX bankruptcy filed in XX/XX/XXXX, and closed XX/XX/XXXX but XXXX  is reporting inaccurate and impossible information, including account activity in XXXX, which is years after my bankruptcy filing and discharge. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to report information that is accurate, complete, and not misleading under : 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). 

The account was closed in XXXX, years before my bankruptcy, yet XXXX  is reporting updated dates, new account statuses, a balance and activity from XXXX which is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
This is a formal notice that I demand you CEASE ALL COMMUNICATION with me regarding any alleged debt. 

Under 15 U.S.C. 1692c ( c ) of the FDCPA, once I notify you in writing that I refuse to pay or that I want all communication to stop, you must stop all contact except to confirm you will stop or to inform me of specific legal actions you intend to take. 

I dispute the validity of any alleged debt. Do not call, text, email, or contact my job, family, or any third party. 

Any further contact from your company that violates federal law will be documented and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
Williams and Fudge placed an account under my name without ever giving me a clear explanation of what it came from. I was never contacted with any real details. I did not receive a statement, a bill, or any documents that show how this balance was created or why they believe I am responsible for it. Since my previous marriage ended, I have been trying to untangle old financial issues that were never fully explained to me. This looks like another situation where my information was tied to something that I never agreed to. I have not been shown anything that proves I opened an account or signed for any service that would make me responsible for this balance. This has created real problems for me when trying to move forward with basic goals like stable housing and a reliable vehicle even though I work full time and take care of my obligations. 

I have also never been shown anything proving that I gave Williams and Fudge permission to access, handle, or report my personal information. I did not authorize them and I did not sign anything naming them. If they are claiming they have approval from me to use my information, they should be able to show exactly where that came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am filing this complaint regarding extensive inaccurate, duplicate, obsolete, and unverifiable reporting on my credit reports from Experian, Equifax, and TransUnion, involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other related accounts spanning XX/XX/XXXX through XX/XX/XXXX, all of which report incorrect balances, late payments, dates of first delinquency accounts, and unauthorized inquiries ; despite my repeated disputes with the bureaus, they have failed to investigate verify, or DELETE the inaccurate and misleading information, resulting in materially harmed credit scores, financial distress, and undue hardship, and these reporting errors violate FCRA 605 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( b ) and FDCPA 807809.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am filing this complaint regarding extensive inaccurate, duplicate, obsolete, and unverifiable reporting on my credit reports from Experian, Equifax, and TransUnion, involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other related accounts spanning XX/XX/XXXX through XX/XX/XXXX, all of which report incorrect balances, late payments, dates of first delinquency accounts, and unauthorized inquiries ; despite my repeated disputes with the bureaus, they have failed to investigate verify, or DELETE the inaccurate and misleading information, resulting in materially harmed credit scores, financial distress, and undue hardship, and these reporting errors violate FCRA 605 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( b ) and FDCPA 807809.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One restricted my account and asked for proof of identity and proof of residence. I uploaded my drivers license, official bank statements, and voided checks from my bank XXXX XXXX  XXXX XXXX ). Multiple Capital One representatives have explicitly told me that these documents were approved, but on later calls, I am told that they need something new or different. This cycle has happened more than XXXX times. 

On my most recent call, I was told they now require a utility bill. I do not have utility bills in my name because I live with a homeowner and pay her monthly via XXXX. I have no ability to provide a utility bill because I do not receive any. Representatives refused to accept alternative documentation, including a residency letter and proof of the homeowners utilities. They have provided inconsistent instructions and refused to escalate my case to a specialist.

Company response to consumer: Closed with non-monetary relief