vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo failed to conduct a lawful investigation into dozens of unauthorized transactions labeled XXXX XXXX. 

I filed approximately XXXX disputes in one day after discovering multiple large unauthorized withdrawals. Wells Fargo combined them into XXXX or XXXX cases and denied every XXXX within XXXX hours without proof or explanation. I repeatedly asked them to identify who or what XXXX XXXX is and to show evidence linking those charges to me. They never did. 

After I filed the disputes, Wells Fargo froze my account the same day my XXXX XXXX and XXXX  benefits were deposited, then closed my accounts entirely and returned those deposits to the federal sender without my consent. 

Their actions denied me access to federally protected XXXX benefits for nearly XXXX months, leaving me homeless and without medical access. I rely entirely on these benefits for survival. 

During communications with Wells Fargo, I informed them that I am a XXXX XXXX  with serious health conditions. Despite that, employees blamed me for not catching the problem sooner and refused any accommodation or assistance. This is discrimination under the Americans with XXXX XXXX ( XXXX ) specifically Title II and Title III, which prohibit financial institutions from denying services, access, or equal treatment to individuals with XXXX. 

Federal violations involved : 12 C.F.R. 1005.11 ( Regulation E ) : failure to conduct a reasonable, timely investigation of unauthorized electronic transfers.

31 U.S.C. 5301 : protection of VA benefits from XXXX, attachment, or return once deposited.

42 U.S.C. 407 ( a ) : protection of XXXX XXXX XXXX XXXXXXXX benefits from any transfer, assignment, or legal process. 

42 U.S.C. 12101 et seq. ( ADA ) : discrimination against a XXXX person by denying access to funds and refusing accommodation during dispute handling.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX To whom it may concern, I demand that you immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify. Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been deleted from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that XXXX business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. 


I demand that you DELETE every inaccuracy listed on my PERSONAL INFORMATION CREDIT REPORT : DELETE INACCURATE NAME : XXXX XXXX XXXX, DELETE INACCURATE NAME : XXXX XXXX XXXX, DELETE INACCURATE NAME : XXXX XXXX XXXX, DELETE INACCURATE EMPLOYERS : XXXX, DELETE INACCURATE EMPLOYERS XXXX XXXX XXXX XXXX DELETE INACCURATE EMPLOYERS : Me and XXXX, DELETE INACCURATE EMPLOYERS : XXXXXXXX XXXX XXXX, DELETE INACCURATE ADDRESS : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX, DELETE INACCURATE ADDRESS : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX, DELETE INACCURATE ADDRESS : July 2015- 2181 XXXX XXXX XXXX XXXX GA, XXXX, DELETE INACCURATE ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX DELETE INACCURATE ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX INACCURATE ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ADDRESS : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA 605B ) and the Fair Debt Collection Practices Act ( FDCPA 807, 809 ) due to Helvey & Associates unlawful and deceptive reporting of a debt allegedly associated with XXXX XXXX. 

Helvey & Associates has failed to provide any written notice or validation of debt as required under FDCPA 809 ( a ) within the statutory five-day period after initial contact. I have never received any original contract, account statement, or evidence proving this debt is valid or that I authorized it. 

This account appears to be the result of identity theft. I have reported the identity-theft activity to the credit bureaus, yet Helvey & Associates continues to furnish false and damaging information. I will also file an official FTC Identity Theft Report as soon as the federal government resumes full operations. 

Helvey & Associates continued furnishing of unverifiable information violates FCRA 605B ( failure to block identity-theft-related information ) and FCRA 623 ( a ) ( 6 ) ( failure to investigate, correct, and delete inaccurate data ). Their conduct is reckless, negligent, and malicious, causing measurable harm to my creditworthiness, financial stability, and housing opportunities. Helvey & Associates has no permissible purpose under 15 U.S.C. 1681b to continue reporting this unverifiable debt. 

I demand immediate deletion of this tradeline from all credit bureaus and written confirmation of removal within three ( 3 ) business days. Failure to comply will result in escalation, including civil litigation for statutory and actual damages under 15 U.S.C. 1681n and 1692k. 

For verification : My full legal name ( XXXX XXXX XXXX ), the last XXXX digits of my Social Security Number ( XXXX ), and my current mailing and physical address ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) are provided in the attached XXXX XXXX and drivers license for identity matching and verification purposes.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX  XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Complainant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Master Complaint Demand for Immediate Removal of All Collections and Inaccurate Information I am filing this master complaint against XXXX XXXX XXXX and the following furnishers/collectors : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Portfolio Recovery Associates Account XXXX XXXX ( {$520.00}, XXXX  XXXX original creditor ) - XXXX XXXX XXXX XXXX XXXXXXXX ( {$740.00}, XXXX  XXXX original creditor ) - XXXX XXXX XXXX XXXX XXXXXXXX ( {$470.00}, XXXX XXXX original creditor ) - XXXX XXXX Account # XXXX ( {$1700.00} XXXX XXXX XXXX XXXX Account # XXXX ( {$130.00} XXXX XXXX ) - XXXX XXXX Account # XXXX ( {$83.00} charge-off ) - XXXX XXXX XXXX XXXX  Account # XXXX ( auto loan XXXX XXXX ) Despite prior disputes, these accounts remain inaccurately reported. The credit bureaus have failed to conduct a reasonable investigation as required under FCRA 611, and the furnishers continue to report unverifiable, inaccurate, or obsolete information in violation of FCRA 623. Reporting disputed debts without proper notation violates FDCPA 807 ( 8 ). Several accounts are obsolete and should no longer be reported under FCRA 605. 

* * Violations Identified : * * 1. Failure to conduct a reasonable investigation ( FCRA 611 ).

2. Continued reporting of inaccurate balances/statuses ( FCRA 623 ).

3. Reporting obsolete information beyond the 7-year limit ( FCRA 605 ).

4. Failure to mark accounts as disputed ( FDCPA 807 ( 8 ) ).

5. Failure to validate debts upon request ( FDCPA 809 ).

* * Demand for Immediate Action : * * - Delete all collection accounts listed above immediately. 
- Delete all other disputed accounts unless fully verified with original signed contracts and complete payment histories. 
- Provide written confirmation of deletions within 30 days. 
- Furnish copies of all documentation used in your investigation. 

* * Positive Accounts Demonstrating Creditworthiness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, never late, active and current. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, closed XX/XX/XXXX, never late, {$1000.00} limit. 

These positive accounts prove my ability to manage credit responsibly and highlight the unfair harm caused by continued inaccurate reporting of collections. 

Failure to comply will result in continued escalation with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and potential civil action under FCRA 616617 for damages due to willful noncompliance. 

This complaint serves as my final demand before escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
So on around XXXX of XXXX  my Wells Fargo Account was hacked by someone in the upstate XXXX XXXX area. I visited XXXX a month earlier and didnt think anything of it. But when I tried using my Wells Fargo account my funds where disappearing and any money I was transferring from my other bank accounts was being taken. It started small then it progressed more and more. I went to the bank to report the incident and they had assured me that they locked it down. But the following day my money was disappearing all over again. I lost over XXXX $ dollars from someone using my information to open a new Wells Fargo account to transfer money from my Wells Fargo and XXXX  XXXX XXXX account to the fraudulent account. That I never opened. The account was opened like I said in upstate New York and during that time I was living in XXXX XXXX. I wasnt able to pursue any legal action before because I was XXXX  for 2 years. For XXXX XXXX the person I got in an altercation with was the person I was dating and he lived in XXXX. He was responsible for leaking my information to his associates, so they can steal from me. I was so angry that I dated someone who used me for his own advantage, but am even more upset that I had to go to prison for trying to defend myself from this crook. 
Now that I am finally free I need to be able to get the money that the bank owes from their mistake. Can I get help with this kind of situation? On the files I attached the XXXX  transfers happened on the XX/XX/year> and in my XXXX  XXXX XXXX account you can see that they transferred from that account into my Wells Fargo account.

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 2025-11-08 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: NC

Complaint narrative:
DESPITE MY PRIOR DISPUTES AND FORMAL NOTICE, THE REPORTING AGENCY FAILED TO CONDUCT A LAWFUL REINVESTIGATION AS REQUIRED UNDER 15 U.S.C. 1681I OF THE FAIR CREDIT REPORTING ACT ( FCRA ). THE AGENCY WAS EXPLICITLY NOTIFIED OF INACCURACIES AND PROVIDED SUFFICIENT DETAIL TO TRIGGER A DUTY OF REASONABLE INVESTIGATION. HOWEVER, THEIR RESPONSE CLEARLY SHOWS NONCOMPLIANCE : NO VERIFIABLE EVIDENCE, DOCUMENTATION, OR CERTIFICATION OF DATA ACCURACY WAS EVER PRODUCED. INSTEAD, THE SAME ERRONEOUS INFORMATION CONTINUES TO BE REPORTED A DIRECT VIOLATION OF FEDERAL LAW.

BY LAW, CONSUMER REPORTING AGENCIES MUST : 1. CONDUCT A REASONABLE REINVESTIGATION WITHIN THE STATUTORY TIME FRAME, 2. DELETE OR CORRECT ANY UNVERIFIABLE OR INACCURATE INFORMATION, AND 3. PROVIDE WRITTEN VERIFICATION OF THEIR FINDINGS AND THE SOURCES RELIED UPON.

NONE OF THESE REQUIREMENTS WERE MET. THEIR INVESTIGATION WAS CONCLUSORY, UNSUPPORTED BY PRIMARY EVIDENCE, AND FAILED TO PROVIDE ANY PROOF OF VERIFICATION OR CHAIN OF CUSTODY OF THE DATA IN QUESTION. THIS CONSTITUTES BOTH PROCEDURAL NEGLIGENCE AND WILLFUL DISREGARD OF FEDERAL OBLIGATIONS.

ADDITIONALLY, UNDER 15 U.S.C. 1681E ( B ), THE AGENCY HAS A CONTINUING DUTY TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION IT REPORTS. RETAINING OR RE-REPORTING UNVERIFIABLE DATA BREACHES THIS DUTY AND CAUSES TANGIBLE CONSUMER HARM, REPUTATIONAL DAMAGE, AND DENIAL OF FAIR CREDIT OPPORTUNITIES.

THEIR FAILURE TO ACT LAWFULLY AFTER NOTICE TRANSFORMS THIS MATTER FROM SIMPLE NEGLIGENCE INTO RECKLESS NONCOMPLIANCE AND BAD FAITH CONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
Robinhood the investment platform that I have a checking account with restricted my account for no reason or explanation. They said I will receive a follow up in 4 days which was XX/XX/XXXX, yesterday XX/XX/XXXX they extended without reason for another 4 days. Mind you I have no Ebt due to the government shutdown now for whatever reason Robinhood decide to restrict my account to where I can not access my money. Me and my kids have not been able to eat properly. We had to rely on a soup kitchen, I borrowed money to buy Noodles, cheese and bread. They could have easily resolved this by asking for verifying documents but they tell me that I have to wait with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
paid for identity theft protection my identity was stolen twice in the same year experian did nothing this company is nothing but criminals stealing money from costumers

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