vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Wells Fargo Bank for their repeated failure to acknowledge and reimburse two fraudulent transactions totaling {$9900.00}, which were made from my account on XX/XX/XXXX and XX/XX/year>. Despite my immediate and repeated reporting of the fraud, Wells Fargo has denied my claim five times, each time closing the case within one business day and offering only a generic denial response.

Summary of the Incident : On XX/XX/XXXX, I was contacted by scammers impersonating Wells Fargo representatives. They used a spoofed caller ID that matched Wells Fargos legitimate number and claimed there was suspicious activity on my account. Believing I was speaking to real bank staff, I followed their instructions, which I now realize were designed to mislead me into authorizing transfers to an XXXX XXXX Balance account. 

I reported the fraud immediately to Wells Fargo, explaining in detail that I had been deceived by professional scammers posing as their employees. Despite this, the bank continues to claim that I authorized the transactions and has failed to investigate the scam in good faith. 

Violations of Consumer Protection Laws : Wells Fargos actions appear to violate the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which protect consumers from unauthorized electronic fund transfers. Specifically : Deception or manipulation invalidates consent. Consent obtained through impersonation is not considered authorization under the law. 
Timely reporting entitles the consumer to protection. I reported the fraud immediately after realizing what had happened. 
The burden is not on the consumer to prove how access was compromised, only that they did not knowingly authorize the transaction. 
Wells Fargos repeated denials, lack of transparency, and refusal to escalate or investigate the case properly demonstrate a failure to comply with these consumer protection standards. 

What I Am Requesting : A full investigation by the CFPB into Wells Fargos claims-handling practices and whether they are in violation of EFTA and Regulation E.

A directive requiring Wells Fargo to reimburse the {$9900.00} in accordance with federal law.

Assurance that Wells Fargo updates its fraud resolution process to address bank impersonation scams and provide consumers with fair review timelines and access to claim records. 
I am happy to provide supporting documentation, including written communications with Wells Fargo, screenshots, and a timeline of events. Please let me know if any additional information is needed to move forward with this complaint. 

Thank you for your attention to this matter. 

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: WY

Complaint narrative:
I took out a loan through Affirm to purchase event tickets. However, I never received the tickets because they were stolen before delivery. I immediately informed Affirm of the situation and provided proof showing the tickets were stolen and that I never received them. Despite this, Affirm has continued to demand payment for the loan and refused to cancel or adjust it. I have tried multiple times to resolve this directly with Affirm, but they have closed my previous dispute without proper investigation and now expect me to pay for something I did not receive. The amount owed is approximately {$570.00}. I am requesting that Affirm cancel this loan or properly investigate the claim, as I should not be held responsible for fraudulent or stolen goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
Speedy cash has my phone number and address and called all of my family members knowing my address asking where I was and giving them a court date like they had one. Very unprofessional when I answer their calls. They have my number and should not be reaching out friends or family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I received two separate responses regarding a bankruptcy record that appears on my credit file. 

First, XXXX stated that they obtained my bankruptcy information from PACER. However, I contacted the XXXX Bankruptcy XXXX, and they provided a letter clearly stating that they do not report any information to PACER for the purpose of credit reporting, nor do they share data with XXXX or any consumer reporting agency. This means XXXX is reporting information that was not directly provided or verified by the court. 

Second, TransUnion stated that the bankruptcy listing was verified by the court. I again reached out to the XXXX Bankruptcy XXXX, which confirmed in writing that they do not verify or report any information to TransUnion or any credit bureau. Therefore, the verification claim by TransUnion is false and misleading. 

I also reached out to both XXXX and Equifax regarding this same issue and received no response from either bureau. Their failure to investigate or respond is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and further delays the correction of this inaccurate information. 

Additionally, the information listed in PACER regarding the alleged bankruptcy contains inaccurate details, further contributing to the harm caused by this unverified reporting. 

I did not authorize the reporting of this information, nor was I contacted for verification before it appeared on my credit file. I believe this constitutes inaccurate and unverifiable reporting under the FCRA. 

I am requesting a formal investigation into how this bankruptcy was reported and verified, and that the inaccurate information be removed from my credit report by all involved parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
I am reaching out to request the CFPBs assistance in ensuring that the Experian properly process and investigate the dispute I submitted regarding multiple items on my credit report. After reviewing my file, I found several accounts and data that appear to be inaccurate, incomplete, or inconsistent, and I outlined those concerns in a detailed dispute letter. This complaint is to make sure the credit bureaus fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ) by giving my dispute the attention it deserves. I expect a full investigation into each item I listed, not just a generic response or verification without review. The information in question has a direct impact on my financial standing, and it is essential that my credit file reflect only accurate and complete information. My dispute letter, attached to this complaint, provides a clear breakdown of what needs to be reviewed and corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX, XXXX XXXX  I sent {$3200.00} from my BofA checking account to my landlord using XXXX. The money was removed from my account but not deposited into my landlord 's account. I called BofA to find out where my money went. The insisted the money was sent to the account I specified but would not provide any details except the name of the bank the money was sent to. The bank it was sent to was NOT my landlord 's bank. I submitted a fraud claim with BofA to try and get my money back since it was not actually sent to the correct account. BofA said that it was not fraud but failed to provide me any further information about the bank account and account holder 's name it was sent to. BofA also said that XXXX allows anyone to use anyone else 's phone number to connect their account using XXXX. This seems like a bad business practice that does nothing to provide protection to the people using XXXX to transfer money. I believe this was fraud. Someone else used my landlord 's phone number to connect with their account and when I transferred money it went into the fraudster 's account and not the correct account that I specified. BofA said the only thing I can do is take them to small claims court to try and get the money bank or have the court require BofA to provide the banking account information for the person who received my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I initially obtain a destiny credit card however last year my income decreased. My last payment to Destiny was XX/XX/year>. After my last payment I continued speaking with them to advise them of my current financial situation and was always assured to just pay something whenever I could. How are my financial situation did not get any better and I wasn't able to make any for the payments. After a while destiny credit card company stop calling me and submit my information to Midland credit agency. Midland credit agency began contacting me on a regular basis but each time I never verified additional information that they needed to say that it was actually me. Because of this they have now sent me a pre legal notice. However I also live in the state of XXXX  and when I checked on the cfpb website, Midland credit agency is not even license to operate in Georgia to request debt collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I PAID MY BILL WITH CAPTAL ONE AND THEY REPORT TO MY CREDIT REPORT THAT I OWE AND I DONT I PAY IT AND IT WAS CLOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-06-24 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:
I am submitting this dispute as a victim of identity theft concerning multiple fraudulent accounts reported on my Experian credit report. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), these accounts must be removed immediately, within XXXX business days, without reinvestigation. XXXX adherence to XXXX XXXX reporting standards requires it to ensure only accurate and verified information is reported ; continued reporting of these unauthorized accounts violates these standards and federal law. The disputed accounts include : XXXX XXXX XXXX XXXX account ending * XXXX, balance {$1600.00} ; Portfolio Recovery XXXX XXXX account ending * XXXX, balance {$1300.00} ; XXXX XXXX XXXX XXXX account number XXXX, balance {$4600.00} ; and XXXX XXXX XXXX  XXXX XXXX XXXX account number undisclosed, balance unknown. I never authorized these accounts or debts and have not received proper verification or 1099-C forms. Enclosed are my FTC Identity Theft Report ( XXXX ) and verification identification documents to substantiate this dispute. I hereby demand the immediate deletion of these fraudulent accounts and a written confirmation of their removal.

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