vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX, I received an email from Wells Fargo [ WF ] stating they closed my savings account. When I called to inquire as to why, I was transferred to a department who " was trying to collect a debt ''. I was then informed WF closed my savings account because " it was overdrawn ''. When asked how that could happen to a SAVINGS account, I was provided several different reasons : there are monthly fees, there should have been minimum balance, there should have been transfers in and out of the account - even though WF recently cancelled access to my savings account through my WF debit card - and they had the right to withdraw for any fees they saw fit. I was transferred to three different people, two of whom told me I had no recourse and would not get my money back. When I told them I was filing CFPB complaint and would go to the media, I was transferred to someone who works with the " Executive Office ''. I explained this second savings account with WF was opened after they kept changing the requirements on my primary savings account. The second account was opened- per WF recommendation - because there were no fees, minimums, no secret rules or decoder rings needed ; it was to build a discretionary fund and I could just let the money sit. However, they apparently changed the rules- AGAIN- in XX/XX/XXXX and siphoned my money with no notice, no conversations and no user agreement. This is now the fourth account WF has closed without notice, negatively impacting my credit scores due to length of accounts ( I started with WF more than 35 years ago ) .Wells Fargo is in serious need of very specific supervision - these fraudulent practices, bait and switch terms and conditions ( open an account believing one thing then suddenly there are minimum balances, varying numbers of transfers needing to occur- all without communications with the consumer ), hidden fees, unexpected fees, needing to transfer five times between Monday and Wednesday between XXXXXXXX XXXX, four times Thurs and Fri between XXXX XXXX, three times during odd months and four times during even months are beyond ridiculous. Being told a savings account is overdrawn doesn't even make sense to my brain - that is an XXXX. All I want at this point is my money returned, there was not much as I was in the process of leaving WF, but it is still my money. I want the " charge off '' removed from credit bureaus and all negative marks removed. PLEASE DO SOMETHING TO PROTECT THE PUBLIC - Wells Fargo has not learned from all their fraudulent and misrepresentation. They have no business handing finances or managing anyone 's money. 

Note : I can not attach any documents as they locked me out of my WF app.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NV

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : 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 2025-06-03 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: FL

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Bankruptcy was filed in XXXX and dissolved in XX/XX/XXXX and is being reported as XX/XX/XXXX. This is incorrect and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
I have neither authorized this inquiry nor engaged in any discussions with the lender on that date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
b'Summary of the Issue:\nThis is a supplemental complaint regarding Equifaxs ongoing willful noncompliance with the Fair Credit Reporting Act (FCRA). My previous complaint (XXXX XXXX remains unresolved, and Equifax has now issued a frivolous and legally deficient response dated XXXX XXXX XXXX, which fails to satisfy statutory obligations under 15 U.S.C.  1681i.\n\nOn XXXX XXXX XXXX I sent Equifax a certified Method of Verification (MOV) request. That request was received on XXXX XXXX XXXX, per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As of this filing, Equifax has failed to respond to that request, in violation of 15 U.S.C.  1681i(a)(7), which requires disclosure of:\n\nThe name, address, and telephone number of the furnisher of the disputed information;\n\nA description of the procedure used to verify the accuracy of the disputed item.\n\nInstead, in its May 10 letter, Equifax falsely labeled my dispute as frivolous, citing multiple disputes within 90 days, without meeting the required procedural threshold for such a determination. The FCRA mandates that if a dispute is deemed frivolous, the consumer must be notified in writing with a specific explanation, per  1681i(a)(3). Equifaxs vague denial does not comply with this provision.\n\nAdditionally, Equifaxs electronic response to the CFPB for the same complaint stated that the tradeline from XXXX XXXX XXXX  was verified and updated  yet no method of verification or furnisher identification was provided, and no documentation was attached or mailed.\n\nViolations Identified:\n\n15 U.S.C.  1681i(a)(1)(A)  Failure to reinvestigate the dispute;\n\n15 U.S.C.  1681i(a)(3)  Improper use of the frivolous designation without justification;\n\n15 U.S.C.  1681i(a)(7)  Failure to respond to my Method of Verification request;\n\n15 U.S.C.  1681e(b)  Reporting inaccurate and unverifiable information;\n\n15 U.S.C.  1681n and 1681o  Willful and/or negligent noncompliance with the FCRA.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
I believe m & t bank is purposefully reordering transactions to cause overdraft fees for client accounts - mine in particular. I made a XXXX payment for {$150.00} on XX/XX/XXXX. My m & t account had sufficient funds and the payment was made using the checking account and routing number. It should be posted instantly and XXXX gave me a confirmation that the payment was recieved that day. I continued checking my account and nothing showed until XX/XX/XXXX. I made an instant transfer from XXXX on XX/XX/XXXX and a web transfer from another m & t account on XX/XX/XXXX and both transactions immediately brought the account back to a positive balance. No fee should have been issue as there was never a day that the account remained overdrawn. M & t bank is now claiming that the payment went through at XXXX XXXX XXXXXX/XX/XXXX became XX/XX/XXXX. While this is consistent with when the payment showed up on my mobile banking log ( XX/XX/XXXX ), this also allows m & t to claim that I have no period to make up the overdraft and avoid a fee. M & t bank is erroneously claiming that once the payment came out at midnight, I am automatically due an overdraft fee if the funds are not in the account. This is false and contrary to their policy which allows for overdrawn accounts to be brought back to a positive balance on the day of the overdraft to avoid fees. I did just that, but now m & t bank is reordering transactions to make it so the XXXX caused an overdraft and ignoring the fact that the account was rectified the same day the transaction appeared.

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 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information related to my student loan account with Sallie Mae. According to the information reported, the balances are listed as {$27000.00}, {$6200.00}, and {$2400.00}, which are incorrect. This information is inaccurate and does not reflect the actual status of my loan. 

I am requesting that this matter be investigated and that the inaccurate information be corrected or removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) and applicable Department of Education guidelines, I have the right to dispute and request correction of inaccurate loan information. 

Please conduct an investigation and inform me of your findings and any actions taken as a result. I expect a response within 30 days as required by law. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been XXXX  on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Synchrony bank has begun to issue unfair fees to issue paper statements far in excess of what is expected or reasonable. They began charging {$1.00} to mail monthly paper statements, when this was previously a free service and part of their normal operating business expenses. This is a new fee which started this year. It is reasonable to view this fee is coercive to consumers to force them to switch from paper statements to digital statements only.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( TransUnion ) 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.

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ; and a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX  Account Number XXXX Balance : {$1000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$990.00} Open Date XX/XX/XXXXXXXX XXXX  XXXX Account Number XXXX Balance : {$740.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX Balance : {$20000.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX Balance : {$530.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXX Balance {$18000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$15000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$4000.00} XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$3200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$1600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Account number XXXX Balance {$740.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Account number XXXX Balance {$640.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX Balance {$260.00} Open Date XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$230.00} Open Date XX/XX/XXXX XXXX & XXXX Account number XXXX Balance {$120.00} Open Date XX/XX/XXXX Inquiries XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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