vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a phone call on XX/XX/XXXX from a man claiming to be investigating fraud for the FDIC on my account at Wells Fargo Bank. He claimed to have added money to my checking account as part of the investigation, in cooperation with Wells Fargo, and an extra {$3100.00} was showing in my checking account. There was no indication at my online summary page that those added funds were actually transfers from credit cards and another account I had from the same bank, nor had I been sent a text or email to verify any of this. Those cash advances/transfers were noted as pending if I had looked deeper into the accounts but there was no indication of those advances on the accounts page even though the cash was right there in my checking account and available right away. That being the XXXX  day I was quite ill and eating little food, my brain was not functioning properly and I fell for the scam to cooperate by taking the cash out of my checking account at a branch, placing it in a taped up box and handing that off to a delivery driver in a XXXX  XXXX XXXX  matching the phone callers description.

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 2025-08-12 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: AL

Complaint narrative:
I am filing a complaint against Conserve ( Continental Service Group , Inc. ) for inaccurate, duplicative, and unlawful reporting of the same alleged debt on my credit reports. Details : Conserve is reporting the same collection account twice on my credit file one entry marked open and another marked closed. 
This duplicate reporting artificially inflates the number of derogatory accounts on my report, lowering my credit score twice for the same alleged debt. The account is reported on my XXXX XXXX XXXX XXXX files. The open and closed statuses for the same account number and balance constitute inaccurate, misleading, and unfair reporting. 
Violations : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A furnisher may not furnish information it knows or has reasonable cause to believe is inaccurate. 15 U.S.C. 1681i ( a ) Credit bureaus must conduct a reasonable reinvestigation of disputed information and delete or correct inaccuracies. 
Duplicate reporting of the same account is patently inaccurate and misleading under FCRA 607 ( b ). Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 2 ) ( A ) Prohibits false representation of the character, amount, or legal status of any debt. Reporting the same debt twice misrepresents its character and status. 
Alabama Law on Capacity to Contract Under Ala. Code 26-1-1, the legal age of majority in Alabama is XXXX XXXX XXXX. At the time this debt was allegedly incurred, I was a minor and lacked the legal capacity to enter into a binding financial contract. Any such agreement would be voidable and unenforceable under Alabama law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Date Assigned : XXXXXX/XX/year> Original Balance : {$2800.00}

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 2025-08-12 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$7100.00} XXXX XXXX XXXX - Account Number XXXX XXXX, Date Opened : XXXX, Balance : {$2800.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$1600.00} XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XXXX, Balance : {$160.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$1600.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$2000.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00}

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 2025-08-12 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 just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me ( XXXX XXXX - XXXX ) I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-08-12 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-12 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: CA

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains clear inaccuracies that undermine its accuracy and reliability. These errors are causing ongoing and significant harm to me, both financially and emotionally.

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I need you to understand that although you have completed your initial review of the claim dating back months ago, this issue is still unfortunately unresolved. I am not satisfied with the response you have provided me. I am aware that you are stating the VISA time frame has elapsed but you are failing to accept that this effect could have been avoided if multiple employees at your bank did their job correctly. Again, you are expecting me to accept the fact that because of these grave errors, I am not entitled to my full {$550.00} permanent credit posted to my account. Keep in mind that I have had a relationship banking with Chase since 2012. I reject this level of customer service and I find it incredibly hard to believe that the highest level of management is ok with the way you have and are unfairly treating a customer. If you are still refusing to provide me with a full permanent credit, I need to receive some form of compensation due to all of the mistakes and bad customer service this bank has made. You must also concede that the amount of time I have lost is irreplaceable and therefore an other example and reason you should offer me compensation. I am requesting for this new complaint to be escalated and sent to the highest level of supervisor at the Executive Office. I look forward to your cooperation in this matter so we can reach a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-12 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-08-12 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: CA

Complaint narrative:
I have reason to believe these accounts were opened fraudulently. They are not mine, and I request their removal following a detailed review. Documents enclosed.

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 2025-08-12 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:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Movement Mortgage LLC
State: CO

Complaint narrative:
Movement Mortgage with servicer of my home loan. I refinanced with them in 2020. The first 4 years were great. Last year lot of problems processing payments and basic accounting. I have always paid be weekly for reduce interest and paying off my loan early. However, the past year the have not been crediting my payments in real time. Thus, they are charging me late fee despite payment in full within the grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I have been trying to delete my Coinbase account for 2 years. Each time after receiving a text that someone tried to access my account. It was not me who attempted access. Ive reset my password but upon attempting to log in, the verification code requested is sent to a number ending in XXXX. I do not have any phones with a number that ends in XXXX. Therefore, someone else is receiving my login information. Coinbase does not have a process for speaking with a live agent. When attempting to speak with a live agent, I was also asked to logon. Instead of having the passcode sent to my phone I had the passcode sent to my email. Whenever I enter the six digit passcode, I receive a message saying that Coinbase does not recognize my phone. I experience a never ending and repeated failed attempts to log into the coinbase portal in order to delete my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Account had a starting balance of {$48.00} on XX/XX/year>. Four transactions were made of {$5.00}, {$3.00}, {$6.00} and {$19.00} leaving an available balance {$12.00}. The first 3 transaction posted on XXXX an additional transaction was made for {$300.00} over drafting the account by {$280.00}. No additional transaction were made on the account and the last 2 payments posted on XX/XX/year>. Two overdraft fees of XXXX was applied to the account for the payments totaling {$5.00} and {$6.00}. These payments had shown posted before the XXXX transaction was initiated and should not be charged a fee. the only applicable transaction to be charged an overdraft fee is the {$300.00} fee. I tried to get an understanding with customer service but they contradicted themselves on how the fees are applied. Citizens bank is fraudulently moving transactions around to charge the most fees. A posted transaction should not be charged a fee in hindsight due to another pending fee.

Company response to consumer: Closed with monetary relief