vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I am writing to formally file a complaint against Wells Fargo regarding unresolved fraudulent activity on my credit card account. 

I have been a loyal Wells Fargo customer for over 10 years. In reviewing my statements, I discovered numerous unauthorized and duplicate transactions on my credit card dating back to XX/XX/XXXX. Many of these transactions involved small dollar amounts, which unfortunately caused a delay in my detection. In some instances, I was charged the same amount XXXX or XXXX times on the same day. 

I reported the issue to Wells Fargo on XX/XX/XXXX, and followed up with a phone call on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any response or resolution from the Wells Fargo credit card department. 

I am requesting the CFPB assistance to ensure Wells Fargo investigates these unauthorized transactions and issues a full refund for the fraudulent charges, as well as any interest payments I have incurred due to these charges. 

Thank you for your attention to this matter. I can provide documentation to support my claim upon request.

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 2025-08-01 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:
I am reaching out to dispute a late payment entry reflected in my credit file, which I believe to be reported in error. I maintain detailed personal records and have verified that the payment in question was made on time. This inaccurate reporting is both misleading and harmful to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
I am deeply concerned about a fraudulent account that has been reported on my credit file. I want to be absolutely clear : I have no knowledge of this account, nor did I authorize its creation. Its inclusion is the result of either identity theft or a reporting error.

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 2025-08-01 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-01 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: TX

Complaint narrative:
I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-08-01 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
* * Accounts in Question : XXXX XXXX XXXX XXXX  DATE : XX/XX/20XXXX 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Klarna AB
State: CA

Complaint narrative:
On XX/XX/year> I added funds from my debit card into my Klarna Wallet to book an XXXX. The purchase did not go through, and I requested Klarna return the funds to my original payment method. 
Klarna support confirmed that in the U.S., Klarna does not allow users to withdraw Klarna Balance funds, even if the transaction was unsuccessful. I was not warned or notified before the top-up that the money would be non-withdrawable. 
I contacted Klarna multiple times, and agents provided instructions that do not match the features in my app. They later confirmed that the transfer option isnt available in the U.S. 
I now have money locked in Klarna with no way to access it unless I spend it. Klarna refused a refund or transfer, despite acknowledging the issue. I have attached screenshots of the chat as evidence. 
I believe this violates Regulation E of the Electronic Fund Transfer Act, as it restricts my access to my own funds without prior disclosure or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My mom added me as a autherized user on her sams club credit card and this is a synchrony bank card. This was being reported to XXXX  XXXX XXXX. For some unknown reason the account is no longer being reported to XXXX. I called synchrony bank and my mom also called and they confirmed they will force report it and make sure it is reported to XXXX. It had been 30 days and it was just updated as paid in full on XXXX  however it is still not being reported to 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-01 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 letter is to bring to your attention an error I discovered while reviewing my credit report. There appears to be a late payment listed which I believe is inaccurate. I maintain strict oversight of my accounts and have not missed a payment within the reported time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous anxiety and stress it's causing me.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to follow up regarding a late payment incorrectly reported on my credit report. The account in question is my XXXX  XXXX XXXX credit card, and the late payment occurred due to an error that has already been resolved by the bank. 
I disputed this with Equifax ( Confirmation # XXXX ), and the case shows as completed on XX/XX/year>, but the late payment is still appearing on my report. I disputed this with Equifax ( Confirmation # XXXX ), and the case shows as completed on XX/XX/year>, but the late payment is still appearing on my report. 
I respectfully request that this negative mark be removed from my credit report, as it was not my fault and the issue has already been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Im filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for inaccurate and damaging rental data reporting. XXXX filed multiple landlord-tenant court cases against me in XXXX, including XXXX XXXX, which led to a judgment. Yet afterward, they continued sending conflicting communications, including a XX/XX/XXXX non-renewal letter and a XX/XX/XXXX demand for {$7300.00} within 24 hours, without referencing any court actions. These contradictions were never explained and suggest misleading or abusive practices. 

These cases including a dismissed case were later included on my tenant screening report pulled by XXXX from XXXX XXXX XXXX As a result, I am struggling with obtaining housing and suffering financial and emotional stress. I later became a class member in a lawsuit over similar conduct by XXXX XXXX and received a settlement. This complaint includes supporting exhibits and demonstrates potential violations of the FCRA ( 15 U.S.C. 1681e ( b ) ), FDCPA ( 15 U.S.C. 1692e ), and XXXX consumer protection laws. I request removal of the inaccurate records and full investigation.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: CA

Complaint narrative:
I fulfilled the {$400.00} direct deposit requirement required to receive the {$200.00} promotional bonus i signed up for and netspend has not sent me the {$200.00} even though i qualify

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 2025-08-01 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: TX

Complaint narrative:
I am writing to bring to your attention a fraudulent account that has been wrongly included in my credit report. I did not authorize or open this account, and its presence is both inaccurate and damaging.

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 2025-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Subject : Escrow Shortage Complaint To whom it may concern, I am writing to formally dispute the calculation and communication of my escrow shortage for property. 
In XXXX, my escrow statement estimated total disbursements of approximately {$2000.00} for taxes and insurance. This figure did not include over {$4400.00} in school district property taxes that were historically assessed and ultimately paid in XXXX. 

As a result, my XX/XX/XXXX escrow analysis showed a shortage of {$7200.00} and raised my monthly payment by over {$1000.00}, from ~ {$1600.00} to {$2600.00}. 

This increase was unexpected, and I believe it was largely caused by Freedom Mortgages failure to include known and predictable tax liabilities in the original projection. My understanding is that the lender is responsible for making reasonable estimates of escrow obligations.

I am requesting the following : 1. A clear explanation of why school district taxes were excluded from the XXXX escrow estimate.

2. A review of whether this oversight violated RESPA escrow analysis guidelines or internal company procedures.

3. Any possible relief options or correction of this error. 

I have maintained a current account and paid the shortage in full. Still, I find the miscalculation and impact on my finances unacceptable. 

Please respond in writing with your findings. I am also submitting this information to the Consumer Financial Protection Bureau and, if necessary, the Texas Department of Savings and Mortgage

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 2025-08-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
Had my checks deposited into my Cash App account and never had a problem but then recently I got a text message saying my card was unlinked from my account and next thing I know my whole paycheck and my XXXX  XXXX  had been transferred and sent to somebody I never heard of. I called Cash App support and they said they will help me dispute my transactions. Well a few days later I got an email stating that my account would be closed due to violation of Terms of Service which I didnt do anything wrong and my all disputes were declined. So I called again and support said I can file an appeal which they helped me do and just recently I got an email stating that my account has violated their Terms of Service and my account will be deactivated. How does that happen when I never made those transactions? Cash App I just need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MD

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XX/XX/year>, I contacted Midland Credit Management ( MCM ) regarding a debt they allege I owe on a XXXX XXXX  account with a balance of {$16000.00}. I explained that I am currently under contract for a home mortgage, with a scheduled closing date of XX/XX/year>, and requested that MCM not report the debt to credit bureaus during this short window, as it could jeopardize my loan approval. 

The agent I spoke with ( XXXX XXXX XXXX confirmed in writing that the account is not currently being reported, but repeatedly stated that it may start getting reported and that they dont have control over it. I reiterated multiple times that I fully intend to resolve this debt in good faith after closing, and asked for cooperation to avoid any new negative reporting before that time. 

I am not disputing the debt at this time, but I have not received any formal validation of the debt under the FDCPA. I believe these statements implying imminent credit damage without validation place undue pressure on me and may constitute a threat of negative action during a vulnerable financial process. 

I am asking that CFPB intervene and request that MCM pause any credit reporting activity related to this account until at least XX/XX/year>, to allow my mortgage to close safely. I am happy to share screenshots of the entire chat conversation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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