vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
For about five months, I will occasionally get calls from Wells Fargos fraud line about a credit card in my name. I explain that I have never banked with Wells Fargo and have never applied for or had a credit card with Wells Fargo. Their response has always been we'll find the correct cardholder then. I've explained that this is unlikely as I have an extremely uncommon last name and to my knowledge I am the only person with my name. I thought that I had finally explained sufficiently that fraud had occurred a couple of months ago. Then today I received another call from the Wells Fargo fraud line. So apparently not. They eventually hang up on me and all the Wells Fargo fraud lines are only set up for customers with accounts, which I am not and I don't have an account number to point them to. They also have no operator or speak to human option.

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 2025-07-03 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:
Since XX/XX/year>, I have submitted multiple legally compliant requests to Experian under the protections of the Fair Credit Reporting Act, Section XXXX ( XXXX U.S.C. XXXX ), to block adverse information from my credit report that resulted from my experience as a documented victim of XXXX XXXX My submissions included all federally required documents, including a self-attestation, proof of identity and address, and multiple victim determination letters from staff at the XXXX  federally supported XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Experian has repeatedly issued contradictory denial letters. At various points, they have claimed : That my identity couldnt be verified ( despite submission of a state-issued ID and utility bill ) That the XXXX providing XXXX XXXX  determination was not valid ( despite XXXX XXXX XXXXXXXX role as an XXXX  provider ) That I failed to identify the accounts to be blocked ( despite having submitted a detailed debt list ) That I have a conflict of interest because I am both a survivor and a XXXX  XXXX  who has authored letters for other survivors. 
On XX/XX/year>, Experian issued a final determination claiming that some items were blocked but others were not, without specifying which items were removed. I have now verified that XXXX items remain on my report : ( XXXX ) XXXX XXXX XXXX XXXX {$990.00} ) ( XXXX ) XXXX XXXX XXXX ( {$4300.00} ) Both are coerced debts resulting directly from my XXXX  experience. I have since submitted a formal addendum requesting these remaining items be blocked. Experian has failed to meet the XXXX, XXXX, and XXXX response requirements outlined in XXXX C.F.R. XXXX ( f ) and continues to misapply the law, creating delays and XXXX  survivors. I have also been materially XXXX by their actions, including credit denials, inability to refinance my mortgage, and reputational distress. 

I am asking the CFPB to review this pattern of denial and noncompliance and to compel Experian to permanently block the remaining items on my credit report in accordance with 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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I am writing to formally report that I have been a victim of an investment scam, resulting in a significant financial loss. The scammers, identified as XXXX XXXX and XXXX, stole my money through XXXX transactions on the fraudulent platform XXXX. Below is a detailed account of how I was defrauded. 

1. Scam Details Date Scam Began : XX/XX/year> Scammers Names : XXXX XXXX and XXXX Fraudulent Platform : www.tradebase.me Funds Transferred via : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Breakdown of Stolen Funds XX/XX/year> {$1000.00} transferred from XXXX XXXX XXXX XXXX XXXX XXXX, then to XXXX XX/XX/year> {$16000.00} wire transfer from XXXX XXXX XXXXXXXX XXXX Robinhood, XXXX to XXXX XX/XX/year> {$15000.00} wire transfer from XXXX XXXX XXXXXXXX to Robinhood XXXX XXXX to XXXX XX/XX/year> {$10000.00} wire transfer from XXXX XXXX XXXXXXXX to Robinhood, XXXX XXXX XXXX XX/XX/year> {$4000.00} wire transfer from XXXX XXXX  XXXX to Robinhood, then to XXXX XX/XX/year> {$5500.00} wire transfer from XXXX XXXX XXXXXXXX to Robinhood, then to XXXX XX/XX/year> {$3600.00} wire transfer from XXXX XXXX XXXXXXXX to Robinhood, then to XXXX 3. Financial Impact To make these investments, I : Took out a loan from my XXXX ( k ). 

Took a loan from XXXX XXXX. 

Withdrew all my investment funds from XXXX. 

Emptied my savings account.

4. Reports Filed I have already reported this fraud to : Robinhood, but they have not taken any action. 

XXXX XXXX  XXXX, requesting an investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX The Federal Trade Commission ( FTC ) : XXXX XXXX XXXXXXXX XXXX. Requested Actions I am requesting that law enforcement : Investigate these fraudulent activities involving XXXX transactions on XXXX 

Track and hold the scammers accountable, preventing them from defrauding others. 

Assist in recovering my stolen funds, if possible. 

I am prepared to provide supporting evidence, including : Transaction receipts and wire transfer details. 

Screenshots of communications with scammers. 

Loan withdrawal records. 

Any other necessary documentation. 

Please let me know how I can submit this information. I appreciate your time and assistance in investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I never agreed on a repayment plan. I was not properly notified of any late payments. I called Nelnet to resolve this matter but they told me it was nothing they could do to remove 90 day late payment mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I am formally disputing a collection account listed on my credit report due to its lack of complete and verifiable information. The account in question does not include sufficient identifying details such as the original creditor, accurate balance, or account history. This incomplete data makes it impossible for me to validate or understand the origin of this entry.

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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: TX

Complaint narrative:
I recently completed a hardship program with Discover due to financial hardship. However, Im still experiencing serious financial difficulty and can not afford to keep up with the current payments or balance. I reached out to Discover for additional help or consideration for settlement or program extension, but I was told I am not eligible for another hardship program for 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
To whom It may concern ; This letter results in a demand for validation of the alleged debt {$2700.00}, {$2100.00} and ALL collection claims Thereof, associated with collection complaint, you claim I owe, as required by 15 U.S.C. 1962g [ FDCPA ] and 15 U.S.C.1681 [ FCRA ]. You are hereby notified that I dispute the alleged debt {$2700.00}, {$2100.00}, ALL collection thereof in it's entirely and demand full validation. Under the Fair Debt Collection Practice Act, I have the right to request the following ; [ 1 ] Full and Complete validation of the alleged debt. [ 2 ] The original signed contract bearing my signature and charge date May 20,2025. [ 3 ] The complete payment history showing how the alleged amount was calculated. [ 4 ] The name and address of the original creditor. [ 5 ] Proof that you are legally authorize to collect in this state. [ 6 ] Proof of assignment or transfer of debt, to include chain of custody from the original creditor to your agency. [ 7 ] Notarized documentation proving your legal standing to collect this debt, Under U.S.C. 1681b [ Permissible Purpose ], you are also required to demonstrate ; that you had a legal and permissible purpose to pull or report any information regarding this account on my consumer report, reporting unverifiable, inaccurate, or incomplete information to to any credit bureau is a direct violation of 15 U, S, C, 168s-2 [ a ].

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 2025-07-04 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX Chase bank closed account. I had earned an {$100.00} sign up bonus as well as {$40.00} I had deposited. I was told a check would be mailed. 
XX/XX/XXXX I call to follow up to receive payment. I was told that a check was mailed. I never received nor cashed the check. The representative said resent they resent the check and should receive it in 5-7 business days. 
XX/XX/XXXX I have not received the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-03 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: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Inaccurate Late Payment Reporting FCRA Violation I am filing a formal complaint regarding inaccurate and inconsistent reporting on my credit file. 
A late payment has been reported by XXXX XXXX  on my account XXXX, dated XX/XX/year>, in my credit reports. 
Under the Fair Credit Reporting Act ( FCRA ), Sections 607 ( b ) and 611 ( a ), credit reporting agencies and furnishers are required to report information that is complete and accurate across all platforms. The inconsistency between bureaus raises serious concerns about the accuracy and legitimacy of this late payment. 
I respectfully request to investigate this matter and ensure this information is either verified with proper documentation or removed immediately from all reporting agencies. 
Attached : - A copy of my government-issued ID and SSN. 
- Proof of my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inaccurate XXXX XXXX XXXX FCRA Violation I am filing a formal complaint regarding inaccurate and inconsistent reporting on my credit file. 
A late payment has been reported by XXXX XXXX  on my account XXXX, dated XX/XX/year>, in my TransUnion report. 
Under the Fair Credit Reporting Act ( FCRA ), Sections XXXX ( b ) and XXXX ( a ), credit reporting agencies and furnishers are required to report information that is complete and accurate across all platforms. The inconsistency between bureaus raises serious concerns about the accuracy and legitimacy of this late payment. 
I respectfully request to investigate this matter and ensure this information is either verified with proper documentation or removed immediately from all reporting agencies. 
Attached : - A copy of my government-issued ID and SSN. 
- Proof of my current address.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is legitimate and should not be taken lightly. My credit report contains false and inaccurate information that fails to meet the standard of maximum possible accuracy. These errors are causing me unnecessary stress and are negatively impacting both my credit standing and personal well-being.

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 2025-07-03 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: TX

Complaint narrative:
I am writing to dispute a collection account on my credit report that is beyond the legal reporting limit under the Fair Credit Reporting Act ( FCRA ). According to my records, the date of first delinquency on this account exceeds the seven-year limit for negative credit 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