vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
Someone hacked into my phone on XX/XX/XXXX and ported my number to another carrier and then hacked my wells fargo online account, opened a new premier checking account on my behalf and did two cash advance transfers from my 2 credit cards, one of {$2000.00} and other for {$800.00} into this new premier checking account.

I have contacted wells fargo atleast 10 times by now and they keep telling me that those credit cards have been closed and new credit cards have been mailed out and those cash advance transfers of {$2000.00} and {$800.00} have been marked as fraud and so is that new premier checking account, but those charges all still sit on my account. They keep bouncing me between different departments at wells fargo and I am just frustrated, no one seems to know what is going on and it has been the worst customer service so far. 


These are the claim numbers that have been provided to me until date : claim # XXXX - debit card, online premier checking account claim claim # XXXX - {$2000.00} and {$800.00} balance transfer from credit cards Then I was advised on XX/XX/XXXX that the {$2000.00} was never marked as fraud in the above claim, so I had called in again and the following claim was assigned Claim # XXXX - {$2000.00} balance transfer from credit card I see all these charges go and then appear again on my account, this is a total mess and wells fargo doesn't know what they are doing. I need strict actions taken against this bank and not just close my complaint after a resolution. 

These are the last XXXX of the new credit cards number I see in my wells fargo online account - XXXX and XXXX. I haven't received the new physical cards yet

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 monetary relief
Consumer complaint received 2025-05-06 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:
I am not reliable for any transactions made by the accounts listed below nor have I ever done business with these companies. I AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all 30 days to resolve this manner or else I will be forced to seek legal action and sue you all {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am giving buisness to TD Bank for several years including repaying a re-financed mortgage. 

In XX/XX/year> I visited my branch on XXXX XXXX and asked the XXXX for loan information. He directed me to a XXXX XXXX. I was seeking for information on how the loan processed worked. I told XXXX XXXX Petty that I will involve my son before I commit to anything. 

I asked my son to ask XXXX XXXX Petty questions regarding on how the process worked. I had called it off when XXXX XXXX said he will involve my building. 

This is my home where I own an apartment. I did not know that he had unscrupulously already done an inquiry. He never mentioned to me or my son that he submitted a request on my behalf. XXXX XXXX XXXX never asked do I consent to making a loan? 

This is law to ask a customer if they are in agreeance with the terms of the loan. 
XXXX had never mentioned that he had already put in an inquiry without my consent. 

I never consented to TD Bank to make an inquiry on my behalf. TD Bank XXXX XXXX conveniently acted on his own. 

I requested that he takes the inquiry back as this is a betrayal against a customer. 
This is disgraceful as TD Bank takes no accountability. The supervisors lied and denied to protect the customers against unfair credit inquiry by their employee XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-06 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/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 2025-05-06 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: OK

Complaint narrative:
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 and 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. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Flexible Finance, Inc.
State: IL

Complaint narrative:
I pay a membership fee of {$15.00} every month so Flex will perform the service of paying my rent in full on the first or as soon as possible after that. They split the payment in XXXX on my end and take XXXX $ from my account on the first and the rest out on the XXXX. I noticed that the money still hadn't been withdrawn on the XXXX so I looked on the app. It said that I needed to reconnect my rental portal to Flex on the app so I proceeded to try to do so. After attempting to do this several times, I submitted an email ticket asking for help with this. The person who responded told me that my portal was indeed connected to Flex but it was showing I had a late fee on my account and this is why my rent hadn't been paid. I sent them screenshots of my ledger as well as my rental portal showing no late charges. They never said anything about the screenshots, just that maybe the amount had changed from my landlord or maybe the rent hadn't posted yet. Both of which were not true and they had the photo proof of. I begged for help paying the rent by the end of day yesterday so I wouldn't be charged a late fee and they just sent me very generic answers that seemed pre-written ( I have worked in virtual customer service so I know how things work. ) I got no real help or answers at all. I finally asked to speak to a supervisor last night around XXXX and I have not heard from anyone since. My rent payment is now late with my landlord and I am getting charged a daily late fee all because Flex 's customer service, system, and app are not working correctly. The service I paid for and was promised was not delivered nor was any satisfactory explanation given. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Reporting accounts and addresses I never lived at. I wrote several times asking for documents from TransUnion and capital one and none were provided. Even in a the last response capital one stated the dont have my address on my id where I lived over 15 years on file. That show I did not have an account! I tried to apply and I was told I already have a card and I do not, I attached the letter that shows I never applied or lived at the place capital one put on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
This letter serves as a request for immediate investigation and resolution of these issues. I recently became aware that information about my account has been shared with third parties without my explicit consent. As you are aware, such actions may violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( b ), which explicitly prohibits debt collectors from communicating with third parties in connection with the collection of a debt without the prior consent of the consumer or the express permission of a court. Additionally, I believe this conduct may be in violation of other applicable consumer protection laws, including but not limited to the Gramm-Leach-Bliley Act ( GLBA ), which restricts the sharing of nonpublic personal information with unauthorized third parties. I demand that you immediately cease and desist from sharing my personal information with any third party without my prior written consent. Furthermore, I request a detailed accounting of all entities with whom my personal information has been shared, including the nature and purpose of each disclosure. Under my rights as a consumer, I am demanding that you provide the original purchase agreement that substantiates this claim, including all terms and conditions that comply with applicable consumer protection laws. Additionally, I am requesting the Forward Flow Agreement, Chain of Assignment, Insurance Claim of Debt, and my signature agreeing to pay. If you are unable to produce this documentation, I expect this matter to be closed and any negative reporting to be removed immediately from my credit profile. Furthermore, I was never offered arbitration regarding this matter, which is a fundamental right under various consumer protection statutes. Your failure to provide such an option is a direct violation of fair debt collection practices and due process. Any attempt to continue pursuing this matter without proper validation will be considered an act of bad faith and will be met with legal action if necessary. I expect a response within XXXX  days from the date of this letter. What I received from my initial complaint was not what was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the accounts due to identity theft under section 605B of the Fair Credit Reporting Act ( 15 U.S.C & 1681c-2? I request that you block the fraudulent information listed in my credit file.

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Accounts 1. XXXX XXXX XXXXXXXX, Amount XXXX, Account number XXXX, Date opened XX/XX/XXXX 2. XXXX XXXX XXXX, Amount XXXX, Account number XXXX, 3. XXXX XXXX, AMOUNT XXXX, Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date opened XX/XX/XXXX 4. XXXX, Amount XXXX, Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date opened XX/XX/XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-05-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
Checking accounts open in my name without my permission or authorization this information was only discovered after reviewing my check system report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
My Discover card account has never been late, over the limit, or not paid. However, with each payment Discover Card has continued to reduce my credit limit thereby increasing my utilization rate and thereby decreasing my credit rating based on an unsupported and unsubstantiated risk factor. 

Discover Card is illegally violated the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( Credit CARD Act ) A general rule of thumb is to maintain a utilization rate of not more than XXXX % of your credit limit. However, when credit card companies decrease your credit limit for no specific reason or event, they are violating my ability to maintain the favorable debt to credit ratio that was previously managed. And, due to the baseless actions of the credit card companies my utilization rate has gone from less than XXXX  % to XXXX  %. This is criminal. Each month I pay more than the minimum required and the companies still take this type of action. 

With the exception of the two accounts that I am not responsible for, I have consistently maintained a stellar payment history and have never maxed out my credit limit. Addition ally, my XXXXredit score hasnt been below XXXX in more than XXXX years. I do not have a financial hardship, but I am being treated as a criminal and not as a valued long-standing customer. 

It would stand to reason that if I have XXXX accounts, XXXX accounts with no issues ever and XXXX are unpaid or in dispute, then one could conclude that there must be a serious problem with the service or product or some other issue that is impacting the account.

Company response to consumer: Closed with explanation