vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
b'Someone charged on my debit card acct ofXXXX in XXXX XXXX. I live in XXXX XXXXXXXX XXXX. I immediately called Wells Fargo the same day of the charge to close acct as it was not me that charged. They debt from my acct and said the fraud debt will look into it. The fraud debt sent me a letter a month later saying the determined that I made the charge. I immediately called the fraud debt and dispute their findings and the lady said there is nothing they can do and I can do my own research to see who did the charge. I also asked to speak to manger which XXXX XXXX said he will again escalate it to fraud to have them check more. I went to Wells Fargo by my house and spoke to the manager XXXX XXXX showed her the evidence that I researched and she also looked at my acct that was closed after the fraud charge and she saw that somebody was still trying to charge after it was closed. She printed me out a copy of that. She called the fraud debt and told them all the evidence that I had as I called the phone nimbet that was on my fraud chafe and a man by the name of XXXX answered the phone and said he has been getting phone call from everyone about fraud charge. He said that someone opened a Spotify acct and put his phone number XXXX and used his business address XXXX XXXX XXXX which belongs to his XXXX XXXX XXXX XXXX XXXX XXXX. Which is the same address and phone on my fraud acct.. He also said he tried to get ahold of XXXX to take his address and phone number off that business! I looked up the blue lake resort and it has the same address on the web and XXXX I looked up XXXX  on the web which is the business name they used on my fraud acct and no business comes up but it says suspicious website! I did a police report XXXX  and the detective here in XXXX XXXX  said everyone is making fraud receipts and he cannot believe they are giving me a hard time! I never received a receipt from Wells Fargo showing the charge but it does not matter as I did not do the charge! The Wells Fargo Manager XXXX XXXX said she is in shock with all the evidence that they are not closing this fraud charge! Her number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have banked with Wells Fargo for 30 years! I also was having an XXXX XXXX XXXX XXXX and on the print out that XXXX  gave me they were. Charging XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX! I was layed up with drama in my XXXX for two weeks and two more weeks I could not move! I have a copy of my operative report! I also told this to XXXX and I called the district manager XXXX XXXX XXXX and she said she would get back with me a never did! I closed my acct as they are not going to take XXXX  out as I did not do this. I do not have the acct number as I shredded the 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 monetary relief
Consumer complaint received 2025-08-07 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
REMOVE ALL FRAUDULENT ACCOUNTS 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was attempting to deposit a business check for {$55.00} today ( XX/XX/year> ). The instructions that you will see on my attachment, instructed me to write under my signature " Cash App Deposit ''. Although I was nervous to do so because if for some reason something went wrong that check would then be useless to deposit anywhere else because it had cash app written on the back of it. However I did it because that's where I wanted the money. Not 5 minutes later I get an email saying that the check was declined. Now this is a well-known business so there's no reason for their check not to be good plus I get one every month for the last 2 years. So I reached out to their customer service. They are chat bot told me that the reason my check was declined was because I didn't write under my signature " For Cash App Mobile Deposit Only '', even though their instructions said to write " Cash App Deposit ''! In actual chat with this bot they actually wrote if you wrote it that way will decline it and nobody else will probably cash it for you so you'll have to get another check issued. I then spoke with a service agent and they basically told me the same thing. This leads me to be concerned that every single person that follows those instructions and gets their checks declined also will have to do the same thing and request a new check. If they don't want to cash checks they shouldn't instead of making everybody ruin the checks they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD bank held funds from a State treasury check then assessed me a {$35.00} overdraft fee cause of their mystery hold. I am XXXXXXXX XXXX XXXX {$35.00} is a lot to me. I had moved fruds from savings to go along with Treasury check to cover the check I wrote, Why was only {$100.00} deposited and 24 hrs later they assess me the penalty?!?! RIDICULOUS how they prey on consumers. We have XXXX protection as shown by the lack of resolve in the XXXX XXXX incident. Here we go again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-07 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:
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 2025-08-07 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:
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 2025-08-07 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:
The Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681 et seq., is a federal law enacted to ensure fairness, accuracy, and privacy in consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-07 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: FL

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-07 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 serious concerns about the validity and accuracy of these entries. They do not align with my records, and I request that you conduct a thorough investigation under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I believe this collection account is the result of identity theft. I did not incur this debt. Please investigate this fraudulent activity and remove this inaccurate co lection account from my credit report

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 2025-08-07 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am in the process of buying a home and the bank called and said I have a account on my credit that I know wasnt on my credit when I applied for this home and now the bank has put my home loan on pause I need this removed asap. It is identity thefts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'I sent a certified letter to Equifax on XXXX/2025 with tracking XXXX XXXX XXXX XXXX XXXX XXXX  it shows the delivery date of XXXX/2025  at XXXX XXXX  in XXXX  GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX XXXX XXXX (ACCOUNT XXXX XXXXEquifax failed to respond. I sent another letter on XXXX/2025 which they failed to respond once again.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: CrossCountry Mortgage LLC
State: IN

Complaint narrative:
I was in the process of refinancing. From day one the loan officer gave misinformation, repeatedly. Attempts to contact were unsuccessful. I did speak to him twice since sending this complaint, however, on XX/XX/XXXX and XXXX I had left messages 5 in total to their office in Ohio, plus two via email and a text to my acting loan officer, to have a senior officer call me. I have not received any communication from a senior officer.

I was told I wouldnt have to pay for an appraisal. That was wrong. I was told the appraisal wouldnt matter. That was wrong. I was told not to pay my mortgage during the process. That too was wrong information. The only thing that I can rely on at this point, is inaccurate information, poor customer service and me being ignored and mistreated. After receiving the appraisal and finally getting ahold of the acting loan officer I was told that he had been waiting to see what other options there were which is why he hadnt called since the appraisal came below. 
I was further inaccurately told, that I was to reach out to the appraiser. After reaching out to the appraisal company, I was told that the dispute needed to come from the loan officer. Again, I want to emphasize the continued misinformation being given.

I spoke to the acting loan officer this morning at around XXXX XXXX  and called again at XXXX. At one point I received a text from the officer stating that the email regarding the dispute of the appraisal was being sent. I interpreted that to mean it had not been sent 3 hrs after I had sent it nor ( if read ) did I get a response.

I absolutely do not want them has my mortgage holder. I dont trust them, I feel like theyre trying to set me up to fail. Clearly there is no customer service or even priority with their customers. I am beyond livid! You have no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Resale Specialist, Inc.
State: MN

Complaint narrative:
XX/XX/XXXX : I requested the services of XXXX XXXX XXXX XXXX to post bail of {$1500.00} so I could get out of jail. My daughter, XXXX XXXX cosign for this bond. 
XX/XX/XXXX I irresponsibly missed my court date and a warrant was issued for my arrest. 
XX/XX/XXXX : XXXX XXXX XXXX XXXX apprehended me from my home and turned me into XXXX XXXX jail. I saw a judge and was released on the charges and finished my obligation to the courts.. 
XX/XX/XXXX : XXXX XXXX file a petition with the court and requested the bail of {$1500.00} to be reinstated which was honored- {$150.00} for penaltie. XXXX  paid the {$150.00} to the courts. 
Since this timeframe, I have been harassed and accused of owing over {$2000.00} to Midwest resale for this debt. the documents I will be attaching clearly show and prove that I no longer owe this amount of money. I have attempted to get this removed from my report but the company has refused to do so despite the documents that clearly states dont owe. On XX/XX/XXXX the vice president of Midwest resale contacted me about my dispute i filed with XXXX. We argued and I demanded to see a contract or something proving I owe over XXXX $ he sent me the documents I have uploaded.

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