vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo continues to deny and reflect complaints submitted through their own customer fraud department as well as the Wells Fargo Executive Branch representative. There are multiple active criminal investigations into the incident described in the attachments XXXX XXXX to XXXX XXXX. 
This includes FBI ( IC3 ) and local law enforcement for XXXX XXXX XXXX. 
Additionally, there is an active investigation into regulatory violations by the Office of Comptroller of the Currency under whose jurisdiction Wells Fargo falls. 
Part XXXX - Personal Information Breach Part XXXX - Exploit weakness in Wells Fargo Online Banking System XXXX XXXX - Initiate the phish using information obtained in Part XXXX Part XXXX - Exploit Compromised XXXX Access Part XXXX - Cash Withdrawal Exploiting Weaknesses in XXXX In-Branch Cash Transactions Part XXXX Ongoing Data Breach in Wells Fargo Systems-Procedures IDTheftReport_XXXX Complaint Submitted - Internet Crime Complaint Center ( IC3 ) Complaint Submitted - Internet Crime Complaint Center ( IC3 ) Update XXXX XXXX XXXX Sheriff Report XXXX XXXX Complaint Submission Complaint Submitted - Internet Crime Complaint Center ( IC3 )

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 2025-08-27 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
XX/XX/XXXX my XXXX  XXXX XXXX was totaled. My insurance company paid XXXX toward the loan. I called my loan company and was informed by the call rep that the loan was paid in full. I asked this several times. She acknowledged each time. I called back a week later and they then said it was not paid. I asked to speak to the manager and asked for the call to be pulled. They said they would do so. I never received a copy of the call or any insight into this. I asked for a reduction of my XXXX a month payments at 21.5 % APR. they said that they would work with me. I call back a week later to get that set up and they said I had to be past due before I could set anything up and to call after the due date. I have since done that and now they are saying I have to pay XXXX a month and the XXXX stays the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
SEE ATTACHMENTS! for inaccurate credit reporting, improper use of consumer credit reports, and affidavits for misuse of consumer report, along with FTC report for identity theft. fraudulent, inaccurate, and unverified accounts being reported on my consumer credit file. These items are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Uniform Commercial Code ( UCC ), the Truth in Lending Act ( TILA ), XXXX Finance Code, and CFPB enforcement regulations. I am serving formal legal notice and demand that you immediately investigate and permanently DELETE all disputed items listed below and update consumer credit file within XXXX  days of receiving this notice. Notices sent to XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. No reinsertion without compliance with FCRA 1681i ( a ) ( 5 ) ( B )

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 2025-08-27 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:
In XX/XX/year> I applied with XXXX XXXX  to have my mortgage payments deferred or put into forebearance due to a large amount of medical bills that had come up unexpectedly. I was told that while the application was being reviewed I did not have to make any payments and the review would take up to XXXX  days. A letter dated XX/XX/year> notified me that I was approved for a loan modification. The paperwork included a statement that I was not approved for repayment payment plan with the reason being You account is not currently greater than XXXX and less than XXXX  months delinquent. That same agreement also states that my first payment thereafter was on or before XX/XX/year>. Nowhere in the document did it say I had any other payment due before that date. When I disputed it with the credit agency, XXXX XXXX sited a paragraph that generically states I am responsible for keeping the account current. Based on the statement given on the call when I was initially applying for the assistance, and the XX/XX/XXXX document that states no payments are late & none are due until XX/XX/year> I waited to make the payment. Now they are saying that I was indeed late although I never received a call or letter from them. I didnt find out that it was reported as or considered to be late until I got a credit report notice. To make it even more difficult for me, XXXX did a hit and run tactic where they reported me late to the credit bureau then transferred my loan to another servicer XXXX  days later with a letter stating no adverse credit reporting will be done within XXXX  days of the loan modification approval and transfer. 

All credit bureaus have twice closed my dispute with no changes with XXXX supporting documentation other than XXXX making a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: DE

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-08-27 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: GA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: OH

Complaint narrative:
TransUnion is reporting false inquiries on my credit report. The inquiries that are reporting do not belong to me. When I was on a trip somebody got a hold of my personal information. I was a victim of identity theft. If these inquiries are not removed, I will file litigation. I am entitled to XXXX dollars per violation and clearly, they violated my rights. 

I also sent a letter asking them to provide me a description of how they verify how this late payment is accurate. But they did not. This is a violation of my federal rights. Can you help me fix this matter asap. This letter has caused me stress. 


I constantly check my credit report and notice that the errors and false misleading information for individuals accounts didn't quite meet the credit reporting standards of being 100 % accurate. This has damaged me and held me back from some time now. My life has been affected a lot from this false information. I'm demanding CFPB to enforce the correction and or deletion of the items. 


Transunion is reporting false inquiries on my credit report. The inquiries that are reporting do not belong to me. When I was on a trip somebody got a hold of my personal information. I was a victim of identity theft. If these inquiries are not removed, I will file litigation. I am entitled to XXXX dollars per violation and clearly, they violated my rights. I also sent a letter asking them to provide me a description of how they verify how this late payment is accurate. But they did not. This is a violation of my federal rights. Can you help me fix this matter asap.

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 2025-08-27 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/year>, Bank of America closed a checking account under my name and reported it to XXXX as Suspected Fraud Activity. I was never notified of any investigation, contacted by the bank, or given an opportunity to respond. I did not commit fraud.

I formally disputed this account with XXXX and Bank of America under my rights in the Fair Credit Reporting Act ( FCRA ), including Sections 609, 611, and 623. Neither party has provided documentation, signed contracts, IP logs, or investigative records verifying the claim.

This unresolved false fraud designation has prevented me from opening any new checking or savings account. It has also caused reputational and financial harm. I am requesting regulatory support to enforce removal of this item due to lack of verification and due process.

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 2025-08-27 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: NJ

Complaint narrative:
I am a victim of identity theft There is wrong names, addresses and fraudulent 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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute regarding a fraudulent account reported under my credit history. I did not authorize, open, or use this account. Its reporting is false and misleading, causing damage to my financial record.

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 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have opened my claim with Bank of America for the 4th time. 

I was defrauded of XXXX through a gambling application. 

My virtual debit card ( NOTE DURING THE TIME MY PHONE WAS STOLEN, REPORTED BY NEW XXXX POLICE + XXXX PHONE COMPANY ) was charged over XXXX worth of charges through XXXX pay. This is all UNAUTHORIZED. 

This is against all my behavior and my pattern of behavior. 

This needs to be fixed.

I was hacked, my phone was stolen, I am not responsible for these charges, and more so - its a gambling book- which someone else USED MY FINANCIALS ON - under a completely different name.

NOT OKAY. This is 100 % fraud. The bank is being horrible. They contacted merchant 1 time and they believe all their information. This is an off shore casino.

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 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
Spring Oaks Capital is saying they have sent me documents thru the mail, but I have yet to receive documents. They said everything on this account is true. That is false information as this account is past the statue of limitations as XXXX XXXX ( original creditor ) has violated my rights and disclosed all of my personal information about the loan to references, employer nd more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
I am not affiliated with the accounts listed and did not give authorization for their creation. Please act under USC 1681g and remove them within 15 days. Proof is included.

Company response to consumer: Closed with explanation