vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Opened a citi bank account last month and was sent a debit card which I never received but I received check book only so I was only able to use the XXXX XXXX so I called to order a new one and they made me verify identity by a series of 5 questions, which I answered all them honestly and last 2 questions asked didnt pertain to me or have any association with me whatsoever which was what kind of boat did I own and what state did XXXX XXXX in, which I answered none of the above cause I dont own a boat or know a XXXX! So I failed they refused to talk to me or tell me how to fix these questions on my report! I know I answered all the other XXXX questions correctly because it obviously pertained to me! Now they closed my account out for no reason I did nothing wrong.!

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 2025-08-28 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: WI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: WI

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 2025-08-28 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: TX

Complaint narrative:
CFPB Complaint Statement ( Wells Fargo Unauthorized Charges ) I am filing a complaint against Wells Fargo Bank regarding their mishandling of my dispute. 

On XX/XX/year>, unauthorized charges from XXXXXXXX XXXX XXXX  XXXX were taken from my checking account ending in XXXX. I never authorized these transactions. I promptly reported the issue to Wells Fargo and submitted a dispute, but the bank has failed to properly investigate or return my funds. 
This situation has caused me financial hardship and stress. Wells Fargo is required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to investigate unauthorized charges and resolve disputes in a timely manner. They have not fulfilled this obligation.

Requested Resolution : Reopen and fully investigate the unauthorized charges from XXXX XXXX XXXX XXXX 

Issue a refund for the disputed amount of {$340.00} Provide a written explanation of the investigation and resolution.

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 2025-08-28 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Was accused of fraud and scam on my check-in account and my savings account for XXXX  XXXX and Chase Bank XXXX I was accused of fraud and my account I tried to transfer the money into my Chase bank to balance out whatever money that was wired to me to have a balance of amount in each account and I was accused of fraud and I basically lost both checking accounts period. Plus I tried to figure out what happened, but nothing was transparent, and I did not know what to do after that. I basically lost all my money that I had saved up, which wasnt a lot, but it was something that you know I had in my account for Chase Bank. I also did a disclosure for the overdress that happened in my transaction of transport wiring money to chase bank it was about XXXX for the contribution I had to do to keep my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: AZ

Complaint narrative:
XXXX company named Viking Client Services XXXX XXXX XXXX XXXX, MN claimed that they were a debt collector for XXXX XXXX.  I informed them that they represented a fraudulent claim.  They were servicing a debt for a company that claimed to be XXXX XXXX XXXX XXXX XXXX XXXX XXXXe, MN  Phone # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they confirmed in writing, that this was not a legitimate XXXX  XXXX  address, business location or phone numberXXXXhis harassment about an illegal claim of damage to a car has been going on since XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing this letter in response to your claim that my dispute was not sent from me. I find this to be an unacceptable stall tactic. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I understand that you are legally required to investigate and correct or delete inaccurate or unverifiable information within a reasonable amount of time, typically 30 days. 

This letter serves as a formal follow-up to my original dispute, which I am resending here. The central issue remains the inaccurate and fraudulent reporting of the XXXX XXXX XXXX account. As I stated in my initial letter, this account is fraudulent, and it has already been successfully removed from my XXXX  credit report. 

Since you have questioned the origin of my dispute, I have enclosed a copy of my government-issued ID for verification, although I previously provided this documentation. I have also included a copy of the original dispute letter, the FTC Identity Theft Report, and the investigation results from XXXX  showing the deletion of the fraudulent account. These documents prove that the dispute is from me and that the information on the account is fraudulent. 

Your failure to remove this account, despite clear evidence that it is fraudulent and has already been deleted by another credit bureau, is a violation of the FCRA. Pursuant to Section 611 and 609 of the FCRA, I demand the immediate and complete deletion of the XXXX XXXX XXXX account from my Experian credit report. I expect to receive written confirmation of this deletion and an updated credit report within XXXX business days

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 2025-08-28 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: CO

Complaint narrative:
I am filing a formal complaint regarding the inaccurate reporting of multiple late payments by TransUnion. According to your records, several payments are incorrectly reported as late. In reality, these payments were made on time. Despite this, the erroneous entries remain on my credit report and are negatively impacting my credit score.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America failed to honor a XXXX promotion for a XXXX XXXX XXXX rebate despite my timely enrollment, eligible transaction, and repeated follow-ups. I have received conflicting and inaccurate responses from multiple representatives, and the rebate has not been issued. In early XX/XX/year>, I enrolled in XXXX for a XXXX XXXX XXXX cash-back offer. The promotion terms were : 5 % cash back on spending, up to a maximum of {$40.00}. On XX/XX/year>, I made a XXXX XXXX transaction exceeding {$1000.00}. Based on the promotion, I should have received the full {$40.00} rebate. Normally, rebates show up on the website shortly after the transaction with an in progress status. No such status appeared. - XX/XX/year> Spoke with XXXX, who confirmed I was eligible and opened a ticket ( # XXXX ). He said it would take a couple of weeks. On XX/XX/year>, I spoke with XXXX, who said the ticket was still in progress and asked me to check back later. On XX/XX/year> I spoke with XXXX, who said the rebate was delayed because Bank of America needed to coordinate with XXXX. She advised me to call back by the end of the month. On XX/XX/year> I spoke with XXXX XXXX, who told me I was not eligible because I had not enrolled before the XX/XX/XXXX transaction. This statement was false. I enrolled at least two weeks prior, and XXXX had already verified my eligibility when he opened the ticket. Each time I called, I received a different and conflicting explanation. Despite following all procedures, the bank ultimately denied my rebate. This has caused me significant frustration and wasted time.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I submitted a timely Validation of Debt request to LVNV FUNDING LLC regarding Account Number : XXXX * * * * for the alleged balance of {$920.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, LVNV FUNDING LLC failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to 15 u.s.c. a credit inquiry may only be made under certain circumstances and for permissible purpose, under 15 u.s.c. XXXXi I have the right to dispute inaccurate information on my credit report. the following inquiries were not authorized by me, and I request that they be removed from my credit report immediately XXXXXXXX XXXX XXXXXXXX XXXX,2025

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Company states to be LVNV, provides no acct. number and request official documents to be mailed but have never received anything. Call XXXX times a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. These fraudulent accounts are a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, or hard inquiry as reported. The aforementioned account, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account, and hard inquiry are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-08-28 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:
There is a rental collection from XXXX XXXX XXXX ( XXXX XXXX ) reporting on my Experian credit file. On XX/XX/year>, I mailed a dispute directly to the furnisher requesting : A signed lease or application A wet signature proving I agreed to the debt Proof that I authorized the sharing of my personal information Proof the company is licensed to collect in XXXX  I received no response or documents. Yet, this unverifiable debt remains on my Experian report. This violates 15 USC 1681s-2 ( b ) under the Fair Credit Reporting Act ( FCRA ). 

The furnisher has not validated this debt, and Experian must delete it from my report per FCRA obligations.

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 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
Received a text on XX/XX/year> stating she was XXXX from XXXX XXXX stating their company partners with many self-published bloggers and businesses. " We help boost the visibility and engagement of the videos they share. Your main responsibility will be to get paid for liking these videos. Daily salary : $ XXXX {$200.00} Weekly Salary XXXX XXXX XXXXXXXX {$3500.00} You can earn money anytime, anywhere- all you need is a smartphone or a computer. '' They sent me some test videos to " like '' and put money into an account on cryptobankpay.com. I was introduced to an account manager to assist with the training to complete the tasks and get paid. This worked for 1 day and on the XXXX day, while liking the videos, I was forced to participate in what they called a XXXX XXXX. I had to provide funds, make a trade for a merchant and part of the earnings would go into my account. There were XXXX rounds of this lucky mall. The first transaction was {$5.00}, the second transaction required {$580.00}, and the required funds quickly escalated. I have a document with all the XXXX interactions. When this lucky mall was completed, they asked me to follow specific instructions to withdraw the funds which totaled {$93000.00}. The tasks were purposely unclear and they stated I did not follow directions and needed to pay 100 % to withdraw my funds. So, send them another $ XXXX in order to retrieve $ XXXX. I have sent over $ XXXX and now am unable to retrieve any of my funds back. They are now harassing me daily with messages on XXXX and attempts to call me. 

I have attached a partial file with some of the interactions and the contacts. I was unable to compress the full file small enough to attach. Please reach out if you require all interactions.

Company response to consumer: Closed with explanation