vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I opened XXXX accounts with Wells Fargo Bank online. An every day checking account, ( to be used for my every day bills ) a clear access checking account ( to be used to pay my mortgage only ) and a way to save savings account. On XX/XX/XXXX I scheduled transfers for initial funding from my XXXX XXXX XXXX checking account. XXXX into each checking account and XXXX into the savings account. Once the transfers were scheduled, I got notices from Wells Fargo that my accounts were being closed, due to suspected fraud/ identity theft. I contacted Wells Fargo fraud prevention immediately. I was told to go into the local branch, verify my identity and all should be well. On XX/XX/XXXX, I went into my local branch and provided ALL required/ requested documentation. The branch staff contacted the XXXX department, verified my documents and said the hold should be lifted within XX/XX/XXXX hours and that i would be contacted by the fraud department when that happens. I called the fraud department every single say for XXXX weeks. I answered identity verification questions and told the department just needed to lift the hold, but it should be any day, call back tomorrow. My direct deposit was rejected, my mortgage was late and I was calling every day. Finally, I called again and threatened to close my accounts if the hold wasn't lifted. I got a call back XXXX hours later, saying the hold was lifted, my accounts were cleared to stay open and I should receive no issues moving forward. Yesterday XX/XX/XXXX, Wells Fargo closed my savings account with no notice. My XXXX is gone, and I called the fraud department. The lady XXXX I spoke to, was not helpful. Said I would be receiving my XXXX via cashiers check, and that yes, my account had been closed. I asked why, she said due to potential identity theft/failure to validate the customers identity. Wells Fargo, clearly made a mistake, as I have already been through all of this and provided every document, and every verification. They provided no notice to closing my account. They didn't reach out to me, they didn't say anything and said they didn't have many notes. Their egregious errors in handling my accounts, caused me to lose my employer direct deposit, and caused my mortgage payment to be 9 days late, in going back and forth with them. I set up additional transfers from my former account, only to have to call the fraud department each time and have them manually allow them through. This is the worst bank I have ever encountered, I did nothing wrong, I didn't overdraw my accounts, I simply tried to fund them and use them as my regular accounts. Wells Fargo makes no apology, no attempt to correct the issue, and this is not acceptable.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
Illegal report to credit agencies form debt that was settled over 2 years ago. 
XXXX XXXX XXXX reported an illegal collection report from XX/XX/XXXX that was cancelled/removed from my credit report after I filed the appropriate federal complaints. Note : See my account for those reports. 

The collection of a debt that was paid in full to the debtor and never collected by XXXX XXXX was cancelled/discharged in XX/XX/XXXX. 

For some unknown reason XXXX XXXX XXXX reported this collection that was fully settled in XXXX, on my XX/XX/XXXX credit? 

I contacted XXXX and they said there was nothing owed and no report that they could see however Experian XXXX is showing the report and it negatively impacted my credit by XXXX points in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I contacted customer service via chat on your website to inquire about a {$49.00} interest charge posted on my XX/XX/year> statement, which noted a balance subject to interest of {$1700.00}. On XX/XX/year>, I followed up with a phone call, requesting specifics on how this balance and interest were calculated. I made consistent payments totaling {$3000.00}, approximately every 3 days from XX/XX/XXXX to XX/XX/year>, as follows : XX/XX/year> : Payment - THANK YOU, Posted, - {$58.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$90.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$70.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$280.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$38.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$150.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$50.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$100.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$860.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$40.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$1000.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$180.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$80.00} Additionally, my XX/XX/year> statement showed a {$19.00} interest charge with a balance subject to interest of {$740.00}, despite payments totaling {$1200.00}, made approximately every 3 days from XX/XX/XXXX to XX/XX/year>, as follows : XX/XX/year> : Payment - THANK YOU, Posted, - {$90.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$55.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$55.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$110.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$110.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$600.00} XX/XX/year> : Payment - THANK YOU, Posted, - {$280.00} Despite these frequent and substantial payments, I have not received a clear explanation from the company regarding how the {$49.00} and {$19.00} interest charges were calculated or why they were applied. I find these charges unexpected and unfair, given my regular payment schedule. Please provide a detailed response addressing the methodology used to determine the balances subject to interest and the resulting interest charges.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Midland Credit Management. 

Send me a letter about debt collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NJ

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 : XXXX XXXX ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$0.00} 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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Debski, P.A.
State: FL

Complaint narrative:
I received a letter form a law firm demanding I have a XXXX  meeting with them to pay the amount owed. I have no knowledge of this debit and it is not in my credit report. I have sent them a debit validation certified letter, but have not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a lot of inquiries that werent mine I was a victim of identity theft back when the ss got linked so please remove them.

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 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Car loan was for my XXXX  who XXXX  XXXX  in a XXXX XXXX Provided that information on several occasions starting in XXXX. Company hasnt responded and the auto debt is still 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 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Inaccurate Auto Loan Reporting I dispute the Santander account XXXX. Santander is furnishing conflicting balances and delinquency dates across bureaus, violating FCRA 607 ( b ). Without signed contracts and payment records, this account must be deleted per 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
Experian, XXXX XXXX XXXX are all reporting accounts on my report after I've told them that I have no knowledge of the accounts and did not open them. I have filed an identity theft report with FTC and law enforcement and they still have not rectified the situation. 

The debt collectors are also still reporting this information after I have informed them that my identity was misused or stolen. I am Attaching my FTC report and my latest letters that I sent to the bureaus Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX is reporting a debt that I did not open or own legally XXXX XXXX is also reporting XXXX different debts that are a result of identity theft or a data breach

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 2025-09-17 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-17 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-17 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * 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, 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 2025-09-17 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: IL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TN

Complaint narrative:
The bureaus are willfully complicit in aiding in fraud by reporting inaccurate information that I never consented to. They have not produced sufficient documentation including original signed contracts and itemized billing records violating these law codes : * * 15 U.S.C. 1681b * * You may not furnish or maintain data on a consumer report without a * * permissible purpose * *. I demand proof of such purpose. 
* If an identity thiefs inquiry or account was not initiated by me, it has been obtained without a permissible purpose, making it unauthorized and not accurate in compliance with 15 U.S.C. 1681eb * * * 15 U.S.C. 1681s-2 ( b ) * * The furnisher of this data is obligated to conduct a reasonable investigation upon notice of a dispute and must * * delete * * any data that can not be verified as 100 % accurate. 

* * 15 U.S.C. 1681i * * You are required to complete an investigation within * * 30 days * * of receiving this dispute. If the data can not be verified, you must * * delete it immediately * *.

* * 15 U.S.C. 1681c-2 Blocking Information Resulting from Identity Theft Once I provide : * Proof of identity * A copy of an Identity Theft Report ( from the FTC or police ) * A written statement specifying the accounts in dispute The CRA must block the information within 4 business days and stop reporting it to third parties. 

* * 15 U.S.C. 1681s-2 ( a ) ( 6 ) Duties of Furnishers Regarding Identity Theft * Creditors ( furnishers of information ) can not report information if they know or have reasonable cause to believe it results from identity theft.

* Once I send ID theft report, you must stop furnishing that information to CRAs.

Also in accordance with 15 U.S.C. 1681e ( b ) * The CRA is legally obligated to ensure the accuracy of your credit file.

* Reporting fraudulent accounts is a failure of reasonable procedures.

* I have provided proof of identity theft ( FTC report ) * By law, they must delete this data promptly.

1. FCRA 609 ( 15 USC 1681g ) Right to Access Information- didnt disclose source

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 2025-09-17 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : 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 your receipt of this complaint. 

The fraudulent, inaccurate, and false information consists of personal credit card accounts opened without my knowledge or authorization, including but not limited to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Scheduled Removal : XX/XX/XXXX These unauthorized accounts have also resulted in several fraudulent hard inquiries and fraudulent collections now appearing on my consumer FICO credit report. 

I have attached : A list of the hard inquiries in question A copy of my consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items A copy of FTC Identity Theft Criminal Complaint # XXXX, filed with the U.S. Federal Trade Commission, as formal proof that these accounts, collections, and inquiries are the result of identity theft and fraud I do not recognize any of the above accounts, collections, or hard inquiries. These were not opened, made, or initiated by me. They are the result of criminal identity theft, and I request that you promptly block this information from my credit report, as required under FCRA 605B.

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