vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A fraudulent withdrawal appeared in my account, withdrawing almost the entire balance. I contacted Wells Fargo Fraud unit to notify them and they insisted on taking 10 days to investigate. They would not and could not tell me where the money was withdrawn from. I explained that I had written checks 2 days prior and that those checks would bounce if they didn't replace the money. They refused to put the money back into my account. They insisted it would take 10 days to investigate. They froze the account almost guaranteeing my checks would bounce. On the following day I went to the bank nearest to my home. The manager there was able to tell me that the money was withdrawn in another state, the signatures did not match and that the teller at that branch assisted in completing the withdrawal slip. It remains unknown if the person committing the fraud had proper ID, had an ATM card or knew the pin code associated with my account. Still they would not put the money back into my account. Yet somehow, the perpetrator was able to walk out with my money. 
My observation is that they made it easy for the fraudster to get my money, if not assisted them, but made it difficult for me to get my money back or even obtain information about the activity. At this time, I have not been re-funded what was taken, was forced to open an alternative checking account with a different bank and fund it with savings so that I can pay my creditors without damaging my credit rating. The teller should be investigated.

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 2025-06-10 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-10 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:
unit was broken into and my identifying information was stolen! i have addsed fraud reports, my information was ecposed in the data breach. I need all negative and inaccurate information removed. credit card were opened, loans, car loans, utilities, apartments, my entite report is fraud Ive been fighting for years

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 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Requested to speak to supervisor on XX/XX/year> that I can not transfer funds to my bank account. I tried multiple times to transfer funds from this card to my bank account and it would not let me. I am being blocked access to my full funds. Can only get {$800.00} out at a time from an atm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I was homeless and needed a vehicle to get to work. It took over two hours to get to work on the bus, versus a 30-minute drive in a vehicle. On XX/XX/XXXX, I was invited to American Car Center after I had explained my situation over the phone. The male agent informed me that he could arrange for me to be transported in a vehicle. He talked to me about my work as he worked on the computer. He informed me that I had gap insurance with them in case of an accident and printed the paperwork. I asked how much the vehicle cost, and he told me, " Not to worry, he got me. '' He also contacted an insurance company, which provided me with insurance at a reasonable price. After my accident, I found out that I only had State minimum insurance, but wasn't concerned because I had gap insurance through the lease. I was unaware of the debt until I received a phone call on XX/XX/XXXX, from the agency attempting to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I asked Experian, Equifax, and Transunion to verify the accuracy of the Public Record for the bankruptcy. They each stated verified by the US Court System. The court system didn't verify the 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 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
In XX/XX/year>, I signed up for a gym membership at XXXX XXXX in XXXX, Texas. I explicitly requested that I was signing up for a basic monthly plan, which I believed would be around $ XXXX. However, I later found out that I had been enrolled in a premium membership with significantly higher monthly dues and an annual fee. This was never properly explained or agreed to by me at the time of signing. 
When I realized I was being overcharged, I stopped using the facility and attempted to address the matter. A club XXXX, XXXX, assured me that the downgrade fee would be waived due to the staff mistake. I was under the assumption that my account would be corrected, until I was charged an additional premium amount. After this, I disputed the transaction and attempted to cancel my account through XXXX XXXX XXXX XXXX. Months later, I was contacted by XXXX XXXX XXXX demanding payment of {$290.00}, which includes monthly dues, late fees, and service charges. I never received adequate explanation of the cancellation protocol or the actual membership costs when signing up. I feel that XXXX XXXX misled me into the higher tier membership and failed to disclose the true terms in a transparent way. 
I am now being pursued by a debt collector over charges that I believe stemmed from predatory and misleading practices. This has caused me distress, and I believe this behavior should be investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: De Lage Landen Finance, LLC
State: NM

Complaint narrative:
De Lage Landen Financial XXXX, acting on behalf of XXXX XXXX XXXX, has been sending lease invoices since XX/XX/XXXXXXXX  that are fraudulent. We did not sign a new lease with them after purchasing the copier we had been leasing through them outright on XX/XX/XXXX. Despite repeated requests and assurances from XXXXXXXX XXXX  representative that the situation had been resolved, we received an additional invoice on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: AR

Complaint narrative:
XXXX XXXX XXXXn \nFraudulently allow someone to use my identity to open a phone line over the phone.\n\nDates: customer added autopay XXXX XXXX XXXX XXXX XXXX XXXXCustomer attempts payment from account XXXX payments reversed \n\nPayment receipts sent to email XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
Please remove all these items from my credit report : - ADDRESSES : - XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX ACCOUNTS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX CARD LATE PAYMENTS : - XXXX XXXX XXXX XXXX XXXX I had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MD

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 2025-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: FL

Complaint narrative:
I am writing to formally request the cancellation of my federal student loans under the Borrower Defense to Repayment ( BDR ) program, based on the recent findings regarding XXXX XXXX XXXX. 

According to the U.S. Department of Education, XXXX XXXX XXXX misled students about employment rates, graduate salaries, and career outcomes, leading to significant financial harm. The Department 's investigation revealed that the institution falsely claimed over 80 % of graduates secured jobs in their field, while the actual rate was below 57 %. Additionally, salary data was manipulated, including the inclusion of outlier figures such as XXXX XXXX XXXX earnings, to misrepresent potential earnings. 

As a former student who attended XXXX XXXX XXXX XXXX XXXXXXXX, I believe I am eligible for loan forgiveness under the BDR program. I have not yet received automatic loan cancellation or a refund of prior payments.

Please advise on the necessary steps to process my request.

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
I submitted written disputes to XXXX XXXX, and TransUnion regarding inaccurate late payment reporting on my federal student loan ( Dept. of EducationXXXX XXXX acct. # XXXX ). The disputes were received on the following dates : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I also submitted additional supporting documentation within the 30-day investigation window for each bureau. Under the Fair Credit Reporting Act ( FCRA ), each bureau had up to 45 days to complete their investigation and have since closed my disputes without correcting or deleting the inaccurate information. 

The XXXX account history confirms the loan was in capitalized interest status with no payments due from XXXX through XX/XX/year>. The account was paid in full on XX/XX/year>. There is no record of missed or late payments, yet all three bureaus are reporting 90- and 120-day delinquencies for early XXXX  with no 30- or 60-day lates leading up to them.

These entries are false and harmful. The bureaus have not provided any verification to support the derogatory marks and have ignored clear documentation from the loan servicer. This violates FCRA requirements for accurate and verifiable reporting.

I am requesting that the CFPB require all three bureaus to remove these inaccurate late payment entries 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 2025-06-10 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: CA

Complaint narrative:
I submitted written disputes to XXXX, Equifax, and XXXX  regarding inaccurate late payment reporting on my federal student loan ( Dept. of EducationXXXX XXXX acct. # XXXX ). The disputes were received on the following dates : XXXX  : XX/XX/year> Equifax : XX/XX/year> XXXX  : XX/XX/year> I also submitted additional supporting documentation within the 30-day investigation window for each bureau. Under the Fair Credit Reporting Act ( FCRA ), each bureau had up to 45 days to complete their investigation and have since closed my disputes without correcting or deleting the inaccurate information. 

The XXXX account history confirms the loan was in capitalized interest status with no payments due from XXXX through XX/XX/year>. The account was paid in full on XX/XX/year>. There is no record of missed or late payments, yet all three bureaus are reporting 90- and 120-day delinquencies for early XXXX  with no 30- or 60-day lates leading up to them. 

These entries are false and harmful. The bureaus have not provided any verification to support the derogatory marks and have ignored clear documentation from the loan servicer. This violates FCRA requirements for accurate and verifiable reporting.

I am requesting that the CFPB require all three bureaus to remove these inaccurate late payment entries immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
I submitted written disputes to Experian, XXXX, and XXXX  regarding inaccurate late payment reporting on my federal student loan ( Dept. of EducationXXXX XXXX acct. # XXXX ). The disputes were received on the following dates : XXXX  : XX/XX/year> XXXX  : XX/XX/year> Experian : XX/XX/year> I also submitted additional supporting documentation within the 30-day investigation window for each bureau. Under the Fair Credit Reporting Act ( FCRA ), each bureau had up to 45 days to complete their investigation and have since closed my disputes without correcting or deleting the inaccurate information. 

The XXXX account history confirms the loan was in capitalized interest status with no payments due from XXXX through XX/XX/year>. The account was paid in full on XX/XX/year>. There is no record of missed or late payments, yet all three bureaus are reporting 90- and 120-day delinquencies for early XXXX with no 30- or 60-day lates leading up to them.


These entries are false and harmful. The bureaus have not provided any verification to support the derogatory marks and have ignored clear documentation from the loan servicer. This violates FCRA requirements for accurate and verifiable reporting. I am requesting that the CFPB require all three bureaus to remove these inaccurate late payment entries 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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FREEDOM FINANCIAL NETWORK
State: AR

Complaint narrative:
15 U.S.C. 1681i ( a ) ( 1 ) - Procedure in Case of Disputed Accuracy * * Your failure to properly reinvestigate these accounts and your improper reinstatement without adequate verification violates the mandatory reinvestigation procedures required under this section.

* * 2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) - Notice Requirements * * You have failed to provide proper written notice of the reinstatement as required by this provision, which mandates specific notification procedures when previously deleted information is reinserted into a consumer 's file.

* * 3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) - Requirements for Reinsertion * * The reinstatement of this information violates the strict requirements for reinsertion of previously deleted information, including the requirement that the information be verified as complete and accurate by the information furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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