vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Albert Corporation
State: DC

Complaint narrative:
I cancelled my XXXX account for the first time in XX/XX/XXXX, for the second time XX/XX/XXXX, and for the rhird time on XX/XX/XXXX. Each time I am promised a refund and my account closed but money continues to be taken out of my account. On XX/XX/XXXX after having reached out again, I was told that my account has a balance of {$48.00} that has to be paid before they can cancel my account, even though this is not what I was initially told earlier that day. I have bank statements that show that even if I did owe that balance, the amount of money that they've taken out of my account should have covered that, and that these were fraudulent charges. I was also told that my account has been active since XXXX and that definitely should not be after I've asked numerous times after for it to be cancelled.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within XXXX ( XXXX ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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:
I used a service provider, nail salon, on XX/XX/year> and paid with my Wells Fargo debit card. The service provider provided a horrible product. I purchase a nail dip, not acrylic, not gel. Nail dip lasts XXXX weeks. This was a new service provider to me. I was charged {$93.00}. At the end of the service the nails looked fine. XXXX days later the nails started to lift from my natural nail and chip off. I returned to the nail shop asking to have the service fixed, redone. The shop owner refused. I filed a dispute with Wells Fargo on XX/XX/year>. I sent them a picture of the nails as it was getting worse. I provided a full statement. They opened a XXXX gave me a temporary credit. I received a letter in the mail saying that they were not honoring my dispute because I received a service. I called and was told that the dispute was declined for insufficient information. I was told to send evidence that I had the job redone and a statement from an expert saying the disputed service was poorly done and not properly. On XX/XX/year> I had already had the service redone. I contacted that shop owner who wrote me an email and I took pictures of the redone nails that were in perfect condition XXXX days later. I submitted this to Wells Fargo. They declined my appeal. I escalated to the XXXX XXXX. They declined my dispute. They took the temporary credit back on XX/XX/year>. 
My position is that I should have won the dispute because the service and product I received was faulty or improperly done. It did not last the average time. The service I had done on XX/XX/year> with a competent service provider is still beautiful. Had the original provider done a satisfactory job, I would have no complaints. Wells Fargo refused to stand by it's promise to protect me from scammers or faulty products.

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 2025-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I had to vacate my apartment on XXXX XXXX, XXXX, due to Covid. I notified management. According to my lease agreement I signed that if I had to break my lease I chose the option to pay one month rent XXXX. This company is charging me XXXX x the amount and has just now filed it on my credit report not within the statue of limitations for the state of Florida. Which clearly states : The statute of limitations for suing someone for breaking a lease ( which is a breach of a written contract ) in Florida is XXXX years.This time limit begins when the breach of contract occurs. 
Five-year limit : The five-year statute of limitations applies to any legal action on a contract or obligation founded on a written instrument, as outlined in Florida Statute 95.11 ( 2 ) ( b ). 
When the clock starts : The five-year period begins to run from the date of the breach, not the date when damages are discovered or fully become apparent. 
I was never contacted within in the statue of limitations with any written notice. This is a violation of my rights. I did receive threaten voice-mails but it never stated to what regards. I contacted the apartment complex company in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: MS

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing late payment entries on my credit report that I believe are incorrect. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must contain only accurate, complete, and verifiable information. I request that these entries be investigated and, if unverified, corrected or removed.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I want to dispute several unauthorized and fraudulent credit inquiries that have recently appeared on my credit reports. These inquiries were made without my consent and are directly related to suspected identity theft. Because of this fraudulent activity, my Social Security number has been frozen to prevent further harm its has told me there is an identity theft on my social number. 
Please investigate and remove the following false inquiries from my credit report immediately : Equifax : XXXX ( XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian : I did not authorize any of these inquiries, and I request that they be I am writing to dispute several unauthorized and fraudulent credit inquiries that have recently appeared on my credit reports. These inquiries were made without my consent and are directly related to suspected identity theft. Because of this fraudulent activity, my Social Security number has been frozen to prevent further harm. 
Please investigate and remove the following false inquiries from my credit report immediately : Equifax : XXXXXXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize any of these inquiries, and I request that they be deleted immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 
Please send me writtenconfirmation once these inquiries have been removed. 
Thank you for your prompt attention and cooperation in resolving this matter. 
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 explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I want to dispute several unauthorized and fraudulent credit inquiries that have recently appeared on my credit reports. These inquiries were made without my consent and are directly related to suspected identity theft. Because of this fraudulent activity, my Social Security number has been frozen to prevent further harm its has told me there is an identity theft on my social number. 
Please investigate and remove the following false inquiries from my credit report immediately : Equifax : XXXX ( XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian : I did not authorize any of these inquiries, and I request that they be I am writing to dispute several unauthorized and fraudulent credit inquiries that have recently appeared on my credit reports. These inquiries were made without my consent and are directly related to suspected identity theft. Because of this fraudulent activity, my Social Security number has been frozen to prevent further harm. 
Please investigate and remove the following false inquiries from my credit report immediately : Equifax : XXXXXXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize any of these inquiries, and I request that they be deleted immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 
Please send me writtenconfirmation once these inquiries have been removed. 
Thank you for your prompt attention and cooperation in resolving this matter. 
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 2025-11-01 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 checked my latest credit report and there were multiple fraudulent accounts reporting these accounts do not belong to me and Im prepared to take the necessary steps of action for removal

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 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing late payment entries on my credit report that I believe are incorrect. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must contain only accurate, complete, and verifiable information. I request that these entries be investigated and, if unverified, corrected or removed.

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 2025-11-01 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: NC

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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, CHALLENGED OR NOT.

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 2025-11-01 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: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Sezzle Inc.
State: TX

Complaint narrative:
I am filing this complaint against SEZZLE INC for reporting an inaccurate and unverifiable charge-off account on my credit file. The account being reported is SEZZLE INC Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$920.00} Charge-Off. I have no knowledge or connection to this account, and it has been reported without any valid documentation or verification from the original creditor. This false and unverified reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as SEZZLE INC has failed to validate the accuracy or ownership of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made timely payments, and any errors in reporting are both unfair 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 non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MECHANICS BANK
State: CA

Complaint narrative:
XXXX. I was defrauded {$280000.00} by an imposter pretending to be the prince of XXXX, on the XXXX  platform, I was enticed into investing my {$280000.00} which was the proceeds from the sale of my mobile home in XXXX  into a fictitious bank with a high yield interest rate called the XXXX XXXX, the imposter pretending to be the prince said that he opened the account for me, and I was given an account number and a pin to access my account. 
XXXX. I sent the money via check, in a XXXX envelope, and also XXXX XXXX in cash, the money I sent to a woman pretending to be a royal agent residing in XXXX XXXX, I sent the money to 3 addresses in XXXX XXXX, the bank was the Mechanics Bank that I did business with. I discovered that the money was not accessible to me in the XXXX of XXXX  and the imposter continued to threaten me to send more money in order to have access to the money I had sent. 
XXXX immediately contacted the police, the FBI and the Mechanics Bank , and told them to stop the checks and reverse them, but it was already too late, the culprit had cashed the checks and the money was not in the XXXX XXXX  in XXXX XXXX where the money was deposited, the banks attitude was very unprofessional, they were not empathetic and did not want me to file a complaint, they said that they would do a 90 day investigation in conjunction with the XXXX XXXX  and the FBI , I was not properly notified and informed in writing on how they were conducting the investigation and what were my chances of recovery, the most they could recover was XXXX XXXX dollars which they thought was a victory, I was very disappointed and I let them know this, The staff at the XXXX XXXX Mechanic Bank branch refused me access to a complaint form, They were full of sarcasm and said that they had all been scammed as bankers and that I should have talked to people, this crime happened during the last days of the pandemic, when people were still isolating, I was working 7 days a week as a caregiver and lived in a small community in XXXX XXXX XXXX . I was then told I had to take my business elsewhere as they were reluctant to have me as a customer, I then decided that attitude towards me was really indifferent and nasty and decided to close my account with Mechanics Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts 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 explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts 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 explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
the company i work for did my mobile deposit for payroll apparently the payroll clerk typed a number wrong and it made my payroll check bounce causing the bank to close my account. This is a mistake my job made and my account should not be closed for a honest mistake i need my account reopen 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 explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain 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 explanation