vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
I am filing a complaint regarding Wells Fargos failure to properly investigate and refund over {$2800.00} in unauthorized electronic transfers made to XXXX * XXXX, XXXX XXXX XXXX, and related merchant descriptors. These transactions occurred without my knowledge or consent and fall under unauthorized electronic fund transfers covered by Regulation E ( 12 CFR 1005.11 ). 

Despite promptly reporting the fraud, Wells Fargo only refunded a small portion of the transactions and wrongfully denied the remainder, without providing any supporting evidence or the documentation I requested. This violates my rights under Regulation E and Wells Fargos own XXXX Liability Protection policy. 

I also requested, multiple times, copies of the investigation details including device/IP logs, internal authorization verification, and any supporting evidence they relied upon to conclude the transactions were authorized. None of this information was provided, despite my clear and repeated requests. 

In addition, immediately after reporting the fraud, Wells Fargo removed my debit card entirely from my online banking profile, even though they later denied my claim. If Wells Fargo believed the transactions were authorized, there would be no reason to deactivate my card. Their action confirms they considered the card compromised. 

Because Wells Fargo failed to issue provisional credit for all disputed transactions, I incurred multiple overdraft fees. I do not have overdraft protection, nor did I authorize the bank to approve transactions without sufficient funds. These fees would not have occurred if Wells Fargo had fulfilled their regulatory obligations and refunded the fraudulent charges promptly. 

Over the last XXXX months, I have deposited over {$69000.00} into my Wells Fargo account. I have been a consistent customer, and the banks refusal to properly investigate my dispute has resulted in significant financial harm.

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 2025-11-16 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: IN

Complaint narrative:
I recently reviewed my credit report and found I had fraudulent activity. This is effecting my ability to obtain credit.

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 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding a missing refund for a Cash App transaction as well as statutory compensation I believe I am entitled to. On XX/XX/XXXX, I sent {$100.00} through Cash App ( Transaction ID : XXXX ). The recipient refunded the payment shortly afterward. Inside Cash App, the status shows Refunded Payment returned to XXXX. However, my bank never received the refund, and the funds have not been returned to my account. 

Timeline of Events : XX/XX/XXXX {$100.00} sent through Cash App. 
Same day Refund issued ; Cash App marked it as Payment returned to XXXX. 
My bank never received the refund. 
XX/XX/XXXX I received an email from Cash App referencing their settlement with the Consumer Financial Protection Bureau and compensation for affected customers. 
XX/XX/XXXX I emailed Cash App support requesting clarification on whether my refund and compensation were included in this process. 
Cash App acknowledged my message but then stopped responding. 
XXXX XXXX XXXX further communication from Cash App and no refund received. 

Problem : Cash Apps system shows that my refund was completed and returned to my bank, yet my bank never received the funds. I attempted to work with Cash App directly, but they have not responded for several days despite acknowledging my inquiry. Their lack of follow-through has prevented me from resolving this issue. 

Compensation Entitlement : Based on Cash Apps settlement communication and California consumer protection requirements, I am entitled to the {$100.00} refund plus statutory compensation of up to {$1000.00} for the failure to properly return funds and for the unresolved customer service issue. Cash App has not provided any details, follow-up, or clarity about this compensation despite my direct request. 

Supporting Documentation : I have included screenshots showing : The original {$100.00} transaction The refund status ( returned to XXXX ) Cash Apps CFPB settlement email My follow-up email asking for confirmation The lack of further response Requested Resolution : I am requesting that Cash App : XXXX. Release the {$100.00} refund to my bank account immediately. 
XXXX. Provide the {$1000.00} statutory compensation I am entitled to under the applicable consumer financial protection and refund statutes referenced. 
XXXX. Provide a clear written explanation and timeline for the resolution of my case. 

Additional Information : I am unable to resolve this directly with Cash App because they abruptly stopped responding after XX/XX/XXXX. I am requesting CFPB assistance to ensure the proper return of funds and compensation owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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 been regularly checking my credit reports and scores this year due to pressing needs of me and my family. I have been reaching out to Transunion as of recently regarding items that are fraudulent and I was a victim of Identity theft. thus unlawful to post about me. This has caused me both deep XXXX and high XXXX  which I have been getting treatment for and along with this I recently suffered with an event that has caused severe XXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory and fraudulent items being reported about me damaging my character, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Transunion being the predominant Credit Reporting Agency in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Transunion operates then I would imagine that other Americans experience the same unfortunate event when they are victims of Identity theft as well. I have researched and talked with others about this and I can not seem to find anything supporting this occurrence. I have reached out to Transunion about this multiple times calling their call center where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me. So please explain the fraudulent accounts and false misleading information on my report and the exact process being used to verify them as I honestly have no clue where this is coming from. they are illegally being reported to begin with and they should be removed as they should per law. I demand Transunion to reinvestigate every item on this letter for completeness and accuracy and remove these accounts from my consumer report ASAP as they do not meet the standards or I will be forced to file litigation against them for furnishing false and inaccurate accounts on 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 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/year> at XXXX XXXX  Central Time, I received a text notification that a new device had signed into my Cash App account from California. I do not live in California, I do not own that device, and I did not authorize this login. 

By XXXX XXXX, multiple unauthorized transactions were made through my Cash App balance and Cash App Borrow. My linked bank account was also targeted with unauthorized withdrawal attempts, but they were denied due to insufficient funds. I did not authorize any of these transactions. 

As soon as I noticed the activity, I immediately signed out the unknown device and secured my account. I was on the phone with Cash App Support by XXXX XXXX, which was within minutes of the fraud occurring. The transactions were still pending at this time. 

Cash App Support told me they can not do anything until the payments are no longer pending, and they refused to take action despite the fact that : I had an unauthorized device sign-in from another state, unauthorized transactions were made within minutes of that login, and I reported the fraud immediately. 

This was an account takeover. I did not share my password, PIN, device, or any verification codes with anyone. This activity occurred suddenly, from a different state, on an unknown device, and completely outside my normal usage. 

I am requesting the CFPBs help because Cash App has a documented history of dismissing fraud claims by suggesting the customer gave out their login information, which is not true in my case. I reported the unauthorized access and transactions immediately and took all proper steps to secure my account. 

I am requesting : 1. A full refund of all unauthorized transactions, 2. Removal of any Cash App Borrow debt created by the fraud, 3. Closure of any negative balance from the unauthorized activity, 4. A complete investigation into the unauthorized device access. 

I am prepared to provide screenshots, timestamps, and all evidence of the unauthorized login and transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I filed a fraud claim with Bank of America 8 months because someone used my card without my permission and charged almost {$15000.00} to my credit card. I gave them a police report and other supporting evidence and they denied my claim. They reconsidered my claim 2 times before finally denying it.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXXXXXX 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 2025-11-16 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: TX

Complaint narrative:
I have been disputing the following accounts with Equifax for several months, and Equifax has failed to provide even XXXX page of real verification : Late Payments : XXXX XXXXXXXX Acct # XXXX {$28.00} Late Payment XXXX XXXX Acct # XXXX {$150.00} Late Payment Charge-Offs : XXXX XXXX Acct XXXX XXXXXXXX {$6100.00} Charge-off XXXX Acct XXXX XXXXXXXX {$220.00} Charge-off XXXX XXXX XXXX XXXXcct # XXXX {$920.00} XXXX Inquiries ( Unverified ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> For every dispute cycle, I sent my drivers license, Social Security card, and proof of address, so Equifax has no excuse for identity issues or processing delays.

Instead of verifying anything, Equifax continues reporting these items with no supporting documentation, and all I receive are generic dispute responses or copies of my own credit report which do not meet the verification requirements under the FCRA or Metro-2.

Equifax has blown past the legal 30-day investigation window under FCRA 1681i ( a ). You must obtain actual documentation from the furnishers. You can not legally keep information on my credit report that you have failed to verify. It has now been well over 90 days, and Equifax has produced nothing. 
To legally verify a late payment, Equifax must obtain from the furnisher : Actual payment due date Date received Date posted Billing cycle history Full payment ledger DOFD Metro-2 compliant payment codes None of this was sent.

Violations include : FCRA 1681e ( b ) FCRA 1681i ( a ) FCRA 1681s-2 ( b ) Metro-2 standards Equifax must obtain : Signed original contract Full payment history Itemized charge-off and balance breakdown Ledger showing how the amount was calculated Proof of ownership/assignment if transferred DOFD documentation Metro-2 field verification Sending me a credit report is not verification.

Violations include : FCRA 1681e ( b ) FCRA 1681i ( a ) FCRA 1681s-2 ( b ) Metro-2 standards Equifax must provide : Identity of the company who pulled my report Permissible purpose under FCRA 1681b Date/time of pull Authorization used to access my file Documentation showing my consent or a legally valid reason Because Equifax has not provided any of this, all of these inquiries are unverified and can not remain.

Violations include : FCRA 1681b ( impermissible access ) FCRA 1681e ( b ) ( accuracy ) FCRA 1681i ( a ) ( investigation failure )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The nature of this problem/wrong doing is that after encountering several fraudulent activities with personal checking account XXXX, I walked into the Bank of America Branch located at XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX and opened a new personal checking account on Friday, XXXX. The employee who helped me was XXXX XXXX, ( XXXX ). 
Nine days later I received my quote on quote new " debit card '' in the mail ; at XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX, and since it was not the card number I was informed it would end with, I filed CFPB complaint XXXX on XXXX and notified the XXXX Police Department via email for caseXX/XX/XXXXXXXX filed on XXXX. ( XXXX XXXX ) XXXX months have gone by, and two weeks ago, after officially closing my first checking account with Bank of America, account ending in XXXX, the same group of people who caused all the fraudulent activities, decided to take over ( steal ) my latest account ending in XXXX. Upon doing that, they have gone ahead and hacked my online account, altered the password or both Username and Password. They began to say, " Well, that's our account because we have the real debit card. '' And I'm saying, " No it's not because I opened the account in person and reported the stolen card that you currently have in your possession to CFPB,XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXXNow, I'm submitting this complaint because I have no access to my online account. It's been this way since XXXX ; and Bank of America says that service is available to me 24/7 ( in their terms and conditions ). I'm not even sure if the account is now a duplicate, fraudulent online account. Today, due to a cell phone problem caused by these same Terrorists, I had to drive to my nearest BoA ATM drive thru just to see my balance. 
In conclusion, please have Bank of America fix the account in my favor because I'm the person who opened the account ( legally and ethically ) ; and showed proof of my legal status in this county, ( United States of America ). 
Just because a XXXX steals a debit card does not mean the account is now his/hers. Or just because a XX/XX/XXXXXXXX stole five plus direct deposits, wired money, from a XX/XX/XXXXaccount, does not mean now the account belongs to the XXXXXX/XX/XXXX 
As far as I know, that's against the law ; but if by any chance the Banking Laws have been amended, please let me know. What are the Statute of Limitation that reflects that? 
Please have the Bank cut the chase and fix this online login issues. Also ensure it's not a dummy account. Why so much disrespect? 
Thank You, XXXX XXXX XXXX. Tel : ( 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 2025-11-16 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: MO

Complaint narrative:
On XX/XX/year> me and my wife was visiting XXXX XXXX and we were kidnapped and robbed. The robbers kidnappers forced me over a 3 day period to withdraw money from XXXX of the ATM debit cards. they beat me and XXXX XXXX  my wife and they put XXXX XXXX wife head and threraten to kill her if i did not do exactly what they said. I was forced to withdraw a total of {$4000.00} from my XXXX XXXX XXXX XXXX card over 3 days and {$2900.00} from my XXXX federal debit card and {$2000.00} on my wells fargo debit card. after being release from the kidnappers i immediately file police report with the kenyan police authorities and my wife was taken to hospital to be treated for her injuries. I contacted my banks and informed them of what happened to me and my wife. I filed the disputes on all of the transactions and the banks all denied my complaint XXXX i had given the banks the police report number of the kenyan police authorities and they never contacted the police XXXX 's they just denied my claim with a boilerplate statement.

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 2025-11-16 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:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-11-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX EXPERIAN Experian XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir/Madam, I am writing to request the removal of closed accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

As per the FCRA, closed accounts should be removed from my credit report after a certain period of time, typically XXXX years from the date of closure. It has come to my attention that closed accounts are still appearing on my credit report beyond this time frame, which is a violation of my rights under the FCRA. 

Furthermore, the XXXX requires that accurate and up-to-date information is reported on credit reports. The presence of closed accounts that are no longer relevant or accurate is misleading and could negatively impact my credit score. 

I kindly request that you investigate this matter and promptly remove any closed accounts that are in violation of the FCRA and FACTA from my credit report. Failure to do so may result in legal action being taken against your company for non-compliance with federal laws. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-16 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: AZ

Complaint narrative:
I have made three separate attempts to dispute these items that are filled with inaccurate information across all three bureaus on my credit report and have not received any documentation or proof of validation from the credit bureau. Furthermore, I received correspondence requesting that I provide updated account details for each disputed item, along with proof of identification, before any further investigation could proceed. Given this, it would have been impossible for my disputes to be lawfully verified and updated ( as noted ) without a complete reinvestigation, which constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request for these items to be removed from my credit report immediately!

The debt collectors have not provided me proper debt validation and proof of verification for these alleged debts. Please delete these from my credit report immediately.

Company response to consumer: Closed with non-monetary relief