vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX this is the orignal complaint Wells Fargo response is a lie. My deposit was made using my online app so at all time I had possession of the check. 
XXXX XXXX  verified that the funds cleared my customers account the morning after my deposit was made. 
Wells Fargo said that I the Federal Reserve mandates that the deposit is held for 8 days to protect me, yet the last manager I talked to said all I needed to do was contact him and he would check to see it the check cleared, not that he had no choice. 
Wells Fargo 's explanation of the hold did not apply to my perfect history and is a farce perpetrated by Wells Fargo to be able to monetize all customers transactions when ever possible. 
They suggested that I go to my clients bank and cash the check if its over a {$5000.00} risk factor. 
I think every one should take that advice and only accept cash Well Fargo is ling and I will move forward contacting other regulatory agancies

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 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
A long time ago, I canceled service on the XXXX app. Through what I assume was a glitch, my service was never canceled and I continued to be charged. When I noticed this a few months later, I attempted to contact XXXX, but was unable to get through the automated phone system to speak with a human. I then submitted a dispute with my credit card which was approved. 

I had zero issues signing up for service at my next address. Now, years later, a notice on my credit report has appeared that I owe a debt to XXXX, which is categorically false. When I contacted XXXX, they confirmed multiple times, through multiple agents, that I owed them no debt, and sent invoices to verify the fact. Even with this proof, the credit bureaus have denied my dispute, which isn't right. 

If I had known XXXX would be coming after me for a mistake that was their fault, I never would have continued service with them.

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 2025-06-03 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: MN

Complaint narrative:
I was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue stress, and I kindly request that you correct my records promptly.

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 2025-06-03 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:
Hello, I am sending this complaint numerous times to inform you that I was a victim of identity theft. I am requesting the removal of the negative items from my file, but it seems like no one cares. I am now requesting again that Experian, Equifax, and TransUnion Credit Bureaus please remove the fraudulent items according to the law, as you are required to do. Please see the listed items below that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
Account CREDENCE RESOURCE MANAGEMENT # XXXX Im unaware of this debt and did not have the opportunity to dispute this account.if you believe you sent proper notification.Please ProvideCertified Mail with receipt displaying my signature.if not, Please delete account # XXXX as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-03 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 was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This morning, I was extremely frustrated to find an unauthorized inquiry on my credit report. I check my report regularly, and this unexpected entry is alarming. I even tried refreshing the browser, thinking it was an error, but the inquiry remained. I need this looked into immediatelyplease review the documents I sent thoroughly so I dont have to deal with this stress again.

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 2025-06-03 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: NJ

Complaint narrative:
To whom it may concern, The deletion or blocking of accounts resulting from potential unauthorized inquiries is governed by consumer protection laws, ensuring the removal of inaccurate or potentially fraudulent information. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which may stem from potential fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions appear to have been undertaken without my authorization, thus potentially infringing upon my consumer rights as defined by the Fair Credit Reporting Act, specifically under Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies may have initiated these actions without proper validation or original documentation from any of the reporting entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
This morning, I found incorrect accounts listed on my credit report and Im unsure of the reason. I regularly monitor my report, but this time I noticed unexpected errors. I even refreshed the page thinking it might be a glitch, but the inaccurate items remained. Given this situation, I kindly request that the documents I submitted be carefully reviewed so I no longer have to worry about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-03 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: MN

Complaint narrative:
I have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
The credit bureau is reporting an account from XXXX XXXX that is both inaccurate and misleading. The account shows a {$0.00} balance but is still flagged as charged off, which should not carry a derogatory status with no outstanding debt. 

More critically, the payment history is completely false. It reports monthly payments throughout XXXX and XXXX including multiple {$350.00} payments that I never made. I have not had any agreement, contact, or financial relationship with this entity since the charge-off, and there is no legitimate documentation to support this payment history. 

Under the Fair Credit Reporting Act Section 607 ( b ), only accurate and verifiable information may be reported. This account contains fabricated payment activity, making it legally unverifiable and damaging to my credit profile. 

I am currently under contract for a mortgage with a closing date of XX/XX/XXXX, and this false and derogatory information is affecting my creditworthiness. 

Ive included a screenshot proving the incorrect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights.

The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New Jersey State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 2025-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
the company did not provide XXXX disclosure and notices to XXXX XXXX XXXX XXXX. XXXX XXXX has another account with XXXX and XXXX did not exercise or conduct any periodic data validation to her account as XXXX is mandated. This account is an IRA account. XXXX XXXX and XXXX XXXX has another joined account with Bank Of America and no XXXX exercise of validation has been conducted to verify the account. XXXX did not provide any disclosure, agreement in where XXXX and XXXX XXXX agree about liquidating the account nor XXXX provided this type of information when opening the account initially. XXXX XXXX had asked several times to XXXX XXXX XXXX to send documentation about XXXX, disclosures about this procedure when the account was opened and to provide the clarification of the important information that was required for XXXX to obtain from XXXX XXXX that dictated the liquidation of the account. Nothing has been address and provide. 
XXXX did not contact XXXX and XXXX XXXX at all. No communication, no letter no emails were received from XXXX. XXXX could not provide a confirmation of any mailer sent to XXXX and XXXX XXXX such as certified mail especially when a drastic action of liquidating over a quarter XXXX dollars. XXXX is at fault and damages caused to XXXX and XXXX XXXX and at this time I am demanding a full investigation on this matter and compensation for damages incurred during that time. 
the account that was liquidated is a self managed investment account in where XXXX and XXXX XXXX manage the investment themselves without any interaction from XXXX personnel therefore no need of any information to be provided or mandated to comunicate with anyone from the organization. In the past XXXX personnel had contact XXXX and XXXX XXXX to change the account from self managed to fully manage by XXXX for a fee. XXXX and XXXX XXXX had denied this conversion several times and this liquidation is a result of punishment for no going fully managed by merryl. XXXX was trying to liquidate the account and take the monies and commit fraud. XXXX and XXXX XXXX log in in the daily basics to the account and the information is stored on the computers, information is obtained on the daily basics from XXXX on who is logging in. In XXXX of 2024. XXXX XXXX updated some information since she did not have access to the account. XXXX XXXX tried several times to call XXXX without any luck on why the account was block in XXXX of 2024. XXXX needs to be punish by the law and compensate XXXX and XXXX XXXX for damages and falsification of documents.

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 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Sezzle Inc.
State: VA

Complaint narrative:
on XX/XX/XXXX I created a virtual card with Sezzle to purchase an XXXX XXXX XXXX XXXX in the amount of {$230.00}. This amount would just cover the deposit for the watch. I had an XXXX XXXX XXXX laying around that I was willing to trade for the new watch ( XXXX XXXX ). The XXXX XXXX XXXX had a trade value of {$300.00}. Each time I tried to enter in the amount needed minus the discounted price, the system would not allow it. I tried the purchase several times and was unable to accomplish the task. And so I reached out to Sezzle via online chat. The agent I spoke to explained that their system didn't recognize discounts and that the full price of the watch would need to be paid in order to buy the watch. Well, I didn't have the amount to cover the full price and so was unable to move forward. There was also a balance on my mobile account which hendered the purchase through XXXX. 
My wife was sitting beside me through all of this and unbeknowst to me- went into her XXXX  account and bought the watch. Receipt received. Tracking number from XXXX provided. XXXX arrived several days later. 
Roughly a week goes by and I check my bank account and notice a debit from Sezzle in the amount of {$65.00} .. for a XXXX web order. This HAS to be some kind of trick of the eye I'm thinking because I KNOW the purchase never went through. I was told by a Sezzle agent that the virtual card is authorized only AFTER a company confirms a purchase! I call XXXX and give the virtual card number created by Sezzle and the agent finds nothing in the system with that card information and refers me to my purchase history. On my purchase history there is no evidence of a purchase for an XXXX XXXX XXXX XXXX. In fact, the agent points out that my last purchase was in XXXX of XXXX. I contacted Sezzle 's support team with a dispute and pointed out these things but received nothing as a resolution. As of date, they still, after request, have not refunded the amount debited and also seem to be willing to close the account.

Company response to consumer: Closed with explanation