vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
Montgomery Ward is reporting a charged-off account on my credit report. When I requested a 1099-C or proof of cancellation, they stated the debt was neither forgiven nor waived, and I would not be issued a 1099-C.

This is contradictory. A charged-off account implies the company claimed the loss, possibly receiving a tax benefit. If the debt is not canceled, they must provide verification and legally accurate reporting. 

Their current reporting may violate FCRA and IRS regulations, and it misrepresents the true legal status of the account.

Immediate deletion of the account from my credit report Written confirmation of the accounts status ( canceled or collectible ) Compensation for personal and financial harm caused by false reporting If canceled, a proper 1099-C issued as required by IRS law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Subject : Unauthorized debit card transactions after theft Wells Fargo denied liability in violation of EFTA Details of the issue : I am a Wells Fargo customer, and I was the victim of a theft in late XX/XX/year>, during which my debit card and mobile phone were stolen. Following the theft, over {$4000.00} in unauthorized transactions were made using my stolen card and PIN, including numerous ATM withdrawals and cash-back purchases across several days. The claim number with Wells Fargo is # XXXX. 

I did not authorize any of these transactions, and I immediately reported the theft and the fraudulent activity to Wells Fargo. However, despite clearly being the victim of criminal fraud, Wells Fargo denied my claim, citing that the correct PIN was used as if that makes the activity authorized. This is a misapplication of the law and a direct violation of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E ( 12 CFR 1005 ). 

Under 15 U.S.C. 1693g, I am not liable for unauthorized transactions if I report them in a timely manner, especially when the access device ( my debit card ) was used without my authorization. The use of the correct PIN by a thief does not constitute my consent to the transfers. 

Additionally, under 15 U.S.C. 1693f, Wells Fargo had a legal duty to promptly investigate my claim, provide provisional credit, and resolve the matter fairly they failed on all counts. Instead, they dismissed the case without considering the full facts, including : Multiple ATM withdrawals made at the same two XXXX locations over several days. 
Suspiciously maxed-out withdrawal amounts in short intervals. 
Cash-back purchases at XXXX also spread across multiple days. 
I have a police report number available to confirm the theft ( available upon request ). 

Wells Fargo has attempted to shift liability to me based solely on the PIN usage, but thats not consistent with federal law or regulatory expectations. I have attached screenshots showing the fraudulent transactions marked Removed by Wells Fargo but not reimbursed.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/nformation reporting to my credit report. 
My name has been reported in accurately with an account that is not mine. 
Also, I never recieved 1099A from any charge off. 

These remarks have been detrimental to my life and credit health.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/nformation reporting to my credit report. 
My name has been reported in accurately with an account that is not mine. 
Also, I never recieved 1099A from any charge off. 

These remarks have been detrimental to my life and credit health.

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 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TransUnion Consumer Solutions. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX Failure to Ensure Maximum Possible Accuracy The FCRA XXXX that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that remain unverified despite formal disputes, causing significant harm to my XXXX XXXX and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 

XXXX Inadequate Investigation and Reliance XXXX XXXX XXXX XXXX XXXX FCRA , 15 U.S.C . 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like XXXX, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 

XXXX Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion Consumer Solutions has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-06-07 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: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
This account was wrongfully put on my credit report on XX/XX/XXXX! i settled with the company by paying the debt because it involved the XXXX XXXX XXXX that ended on XX/XX/XXXX! This cut off the monthly payments that the government made! XXXX was the business that had my service. when the XXXX ended I cancelled this service! I was responsible for paying in which I did with {$80.00}. Eastern Account Systems in XXXX, CT took over this account in which I settled. Now tell me why should I suffer because the XXXX shut down? I want this off and cleared off my credit report!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: IL

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year> I was contacted by the number XXXX ( XXXX ) XXXX asking about a charge on my credit card after asking a few questions he asked me to provide a code which is generally used for Wells Fargo to for one time passcodes. I was then contacted by a fraudster impersonating an fdic representative named XXXX XXXX XXXX ( XXXX ) XXXX saying they needed to transfer accounts due to fraud on my account, after going to the branch located on XXXX and XXXX i was told to do a withdrawal of the funds so that I may get a new account but I was told they were under investigation by the fdic, I inquired this to the teller but she said she was not sure, I was then given my cash without being id of having my question answered. After depositing the money into my new account I saved all the info in case it was not legit. The very same night I called Wells Fargo to inquire about it and confirmed it was fraud. I asked to freeze all transactions and gave them all the info about the new account that I had to them including the new account and the fraudulent transfer of XXXX dollars from my savings to my checking that XXXX XXXX did without my consent. However name of this information was used during there investigation and I was treated terribly during the entirety of the investigation. Not only did I have to go through several different departments and give them the same info, but each time a new case was made that info was not used or given much thought. Furthermore it is Wells Fargo procedure to ask for a photo id for transactions over XXXX dollars when I inquired why that was not done they refused to awnswer. Im very upset with how this was handled and I truly believe we could have stopped the scammers and prevented this from happening to others, instead Wells Fargo chose to be negligent with my funds and solely blame the consumer for the lost funds even when I reported it the same day with the account info. In total I lost XXXX dollars and not a single XXXX has been given back please help me I have worked my entire life for these funds. Any evidence and information required to prove there negligence can be submitted and proved beyond a reasonable doubt.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
Credit score decreased XXXX points and status never changed, in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and Experian are showing deliquent for different dates, of which XXXX XXXX company states : After a thorough review of the account, our Credit Reporting Department has removed delinquencies for the XX/XX/year> and XX/XX/year> reporting as the borrower was approved for a forbearance plan during that time and they were reported delinquent in error. I was NOT deliquent in the year of XXXX, and was under a forbearance. ALso both Equifax and Experian have contradicting dates of which BOTH are wrong. 

I am submitting this complaint because Equifax is furnishing inaccurate information that negatively impacts my creditworthiness. It is essential that both parties act in good faith. I have upheld my responsibilities and expect Equifax to do the same. To ensure compliance with consumer laws, I must emphasize that Equifax is causing direct harm and violating federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
On approximately XX/XX/XXXX I paid lane Bryant/comenity bank {$310.00} ( and some change ) to close my account. I paid on time and in FULL. I then called and closed my account. I was told I'd receive a closure notice in the mail. Today XX/XX/XXXX/25 I got a bill in the mail for {$13.00}. for " late fees, and interest '' ON A XXXX BALANCE! Sounds like fraud. I paid the {$13.00}, and asked them to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Wells Fargo Dispute Department, My name is, I am writing to provide context and support for the disputed charges related to my flight with XXXX XXXX XXXX on XX/XX/year>, from XXXX to the United States. The charges in question involve unexpected and duplicate baggage fees that we were forced to pay at the airport due to system outages and overbooking caused by a recent blackout in XXXX. 
Here is a summary of the issue : XXXX. Carry-On Bag Charges {$120.00} and {$140.00} : We were charged for two carry-on bags at the airport. XXXX XXXX XXXX policy allows at least one standard carry-on and one personal item for free. At the check-in desk, we were told the flight was overbooked due to the blackout that occurred on XXXX XXXX ( One day before our flight ), which is why we had to check our carry-ons and were charged these fees. These charges were unexpected and contradict their baggage policy. We were getting scolded in front of a line of people and our flight was boarding in one ( XXXX ) hour. We are not familiar with the language. 
MARKED AS EXHIBIT A XXXX. Duplicate Checked Bag Charge {$140.00} : We had already prepaid for one checked bag as part of our round trip ticket, but were charged again for the same bag at the airport. The lady in the front desk told us that she could not see because her system was not working very good and if we wanted to get a refund we would have to call a manager at the desk. Kindly keep in mind, our flight boards in almost less than an hour. 
MARKED AS EXHIBIT B XXXX. Extra Checked Bag {$140.00} ( should have been {$90.00} ) : We attempted to purchase an extra checked bag in advance for the {$90.00} online rate. 
However, XXXX customer service was unresponsive and told us they would reach out but never did. As a result, we were forced to pay {$140.00} at the airport. This overcharge was due to their failure to provide working systems.

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 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion, Equifax, and Experian are reporting inaccurately on my credit report. 

This account is inaccurately reported as charged off and in collections, yet it continues to show an outstanding balance. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain reasonable procedures to ensure maximum possible accuracy of information. The continued reporting of this account with an outstanding balance despite its charged-off status constitutes a violation. 

I am concerned that my privacy rights have been violated through unlawful communication, as outlined in 15 U.S.C. 1681b, which prohibits the use of consumer reports without permission. 

This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and to delete immediately off my credit report. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act Account has been sold to First National Collect Bureau Please Delete off of my credit report as the credit bureaus continue to do sham investigations. As a result of the sham investigation Im owed {$1000.00} per violation. Please Delete

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 2025-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
Company Name : Square, Inc. ( Cash App ) Issue Type : Money was taken from my account or Fraud or scam Date of incident : XX/XX/year> Details : Former Cash App Tag : $ XXXX Dear Cash App Support, I am writing to formally demand a refund and compensation for a fraudulent withdrawal from my Cash App account on XX/XX/year>. The transaction was made using a XXXX debit card ending in XXXX, which I do not own or recognize. I witnessed this happen live in my account and attempted to remove the unauthorized card immediately. Despite submitting a report, your team responded stating the transaction was authorized this is false. 

The amount taken from me was {$420.00}, which was intended to cover my rent. I am a person with diagnosed XXXX XXXX and XXXX, and this situation has caused me severe stress, XXXX, and mental health strain. I had no choice but to delete my Cash App account due to the lack of support and resolution. 

As a result, I am demanding a total of {$1200.00} in damages for : The stolen {$420.00} Emotional distress Negligent handling of my case Please find my formal demand letter attached, which includes all details and evidence. If I do not receive a response or refund within 10 business days, I will proceed with : Filing an official complaint with the Consumer Financial Protection Bureau Reporting this incident to the Federal Trade Commission Filing a lawsuit in Small Claims Court in XXXX XXXX XXXX Citing the ADA and Unruh Civil Rights Act for disability-related

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: IN

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief