vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX XXXX XXXX, who I believe is in a theft ring in XXXX XXXX, says she never received my documents, but insist they are not appropriate. She says she needs confirmation from their Wells Fargo client to approve anything. The Wells Fargo client she is speaking of is my deceased father, XXXX XXXX XXXX XXXX XXXX XXXX probably wants to say I am carrying on an argument but in reality is attempting to drown out the illegal activity they are performing in XXXX  XXXX  XXXX XXXX XXXX XXXX as I know her and that's all, as she really had not been identified to me with no last name, knows that my lawyer has seen my documents and deems them legal. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, I believe, are attempting to railroad my Gift Beneficiary from my father for themselves. XXXX, XXXX. XXXX. I believe is attempting to bamboozle you by saying that I never was a beneficiary of XXXX XXXX XXXX She must be crazy or on drugs. I am sick and tired of this XXXX as it has been going on since XX/XX/XXXX with dissatisfaction of a survey I performed about starting proceedings. I was working with the account before he died and he was allowing me to perform transactions. I assisted his writing and used a rubber stamp he wanted me to receive as he was partially paralyzed. My father died XX/XX/XXXX,., but before he died he gave me his legal authority to write whatever I need and every need that I need by video. The video was transcribed word for word and Professionally Notarized. I am now being recognized by an insurance agent which I am not at liberty to say at the my moment. I have credibility and am well known. I was born in a XXXX  XXXX. I am permanently XXXX which they never discuss.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Recently, Wells Fargo restricted my account ending in XXXX without any evidence of fraud and also communicated that they will be closing the account on XXXX of XXXX XXXX.I have never engaged in fraudulent activity, and all deposits and withdrawals are legitimate and lawful. I maintain accounts with XXXX XXXX, XXXX  XXXX XXXX, XXXX, and XXXX XXXX, and I have never experienced issues with these banks regarding similar transactions. This clearly demonstrates that my activity is routine and legitimate. 

Initially, Wells Fargo communicated via email that my account was being closed because my records did not match internal records and public records. However, after contacting Wells Fargo multiple times to clarify, I was informed that the actual reason was allegedly because my account activity was considered higher riskspecifically, transferring funds from my account immediately after receiving them, either to another account of mine or to a friend. 

This contradiction in statements shows a lack of clarity and consistency on Wells Fargos part. It is evident that any suspicion or higher risk activity originates from their internal assessment, not from any fraudulent behavior on my part. I am willing to provide all necessary documentation to verify my transactions and to prove that the initial email contradicts their later explanation regarding the account closure.

Furthermore, this is a new account, and I have not even received my debit card, making their actions particularly damaging. There is no agreement or disclosure in Wells Fargos account terms prohibiting : Depositing personal funds into my account using XXXX. 

Receiving transfers from family or friends using XXXX Transferring funds from my Wells Fargo account to another account in my name using XXXX. 

Transferring funds to friends after receiving money. 

Holding the fund in my account for a specified time before being transferred out. 

Closing my account and threatening to report me to ChexSystems based on these legitimate actions is unjustified, unfair, and entirely Wells Fargos responsibility, not mine. Such reporting could tarnish my banking reputation and create financial obstacles.

I respectfully request that the CFPB : Investigate Wells Fargos actions regarding the closure of my account. 

Ensure that no inaccurate or negative information is reported to XXXX  or any other consumer reporting agency. 

Assist in correcting any inaccurate reporting if it has already been submitted. 

Recognize that Wells Fargos refusal to consider my legitimate activity and the contradictory explanations constitute unjust treatment toward a customer. 


Thank you for your prompt attention to this matter.

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 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I recently used Cash App to pay for a service with a previous contractor in a painting job. Before I had no issues but recently they took the deposit for materials and never responded again. I use the dispute system in Cash App twice and both the contractor and Cash App have denied my request to a refund. Cash App claims that since my account was not compromised it was denied but this was never the cause of the dispute. I provided messages, and invoice from the contractor and a police report but they have not assisted in anyway with refunding my funds of {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: PA

Complaint narrative:
XXXX Requested information of the Company. The information was not correct.

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 2025-09-25 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-25 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Well my account lack of access to my phone. Dont know what to do. They wont tell me anything block my funds dont know why 180 days before I get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
USAA denied my timely fraud claim under Regulation E, despite unauthorized debit card charges totaling {$2200.00}. 

I reported the fraud within 5 days of the first charge ( well within the XXXX window required under XXXX XXXX ). USAA issued and reversed provisional credits multiple times, then ultimately issued a final denial on XX/XX/year>. 

Squares own documentation confirms that card present coding can mean a manually keyed entry, which does not require the physical presence of the card or cardholder. Therefore, USAAs claim that these charges were valid card-present transactions is incorrect. 

Timeline of Events : XX/XX/year> : First fraudulent transaction date XX/XX/year> : Transactions posted to account XX/XX/year> : Fraud reported to USAA ( 5 days after first charge ) XXXX : USAA issued and reversed XXXX credits multiple times XX/XX/year> : Fraud report filed directly with Square ( confirmation pending ) XX/XX/year> : USAA issued final denial Requested Outcome : Reimbursement of {$2200.00} in unauthorized debit card charges under Regulation E, and confirmation that XXXX dispute process complies with federal consumer protection requirements.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Collectors Corp.
State: IA

Complaint narrative:
Professional Collectors Corporation from XXXX XXXX XXXX, WI purchased a bunch of medical debt and an old debt from XXXX XXXX relating to me and my husband. My husband and I moved from the state of Wisconsin 4 years ago and now live in Iowa. This collection agency did not perform due diligence to get our new address, which could have easily been discovered from any credit bureau. Instead, they sent all communications to an old address, filed a small claims case against us, with service to the old address, and obtained a judgment and started garnishment actions. 

The XXXX XXXX debt is more than XXXX XXXX XXXX, which makes it uncollectible in Wisconsin. Some, if not all of the medical debt is likely more than XXXX XXXX XXXX. Since we were not properly served, we were not given the opportunity to request an itemized statement of service dates to determine if the bills were properly processed through insurance and if the amounts were valid. 

On Wednesday, XX/XX/year>XXXX XXXX XXXXXXXX, I contacted XXXX XXXX Firm, Professional Collector Corporation 's attorney, and asked why due diligence wasn't performed to validate our address, and was told they have XXXX pending cases and they don't have time to validate addresses. 

On Thursday, XX/XX/year>XXXX XXXX XXXXXXXX, I contacted Professional Collectors Corporation to find out why they did not perform due diligence in attempting to contact us, and have documents sent to the correct address. I informed them the debt was old and uncollectible and they referred me to their attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-25 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called today ( XX/XX/year> ) to ask that Capital One lower my interest rate due to the recent Federal Reserve rate reduction that occurred on XX/XX/year>. Capital One refused. This is in regards to my two credit cards ( Capital One XXXX XXXX Capital One XXXXXXXX XXXX XXXX I added my XXXX card number in the applicable section. 

So with that introduction, I am writing to formally raise a concern regarding the interest rate applied to my credit account, which, according to your credit agreement, is a variable rate based on the prime rate. 

As I know Capital One is aware, the Federal Reserve has lowered interest rates, and under a variable rate agreement, such reductions should be reflected in customers APRs. However, despite multiple inquiries, I have been informed that my account is not eligible for a rate reduction. This explanation appears arbitrary, especially when Capital One 's own agreement states the rate is tied to the prime rate. It raises serious questions about how variable rates are applied and whether Capital One is adhering to fair and transparent practices in line with national economic policy. 
Further compounding my concern, I recently contacted Capital One 's customer service line regarding this issue. I informed the representative that I was recording the call for ( the call would be for my records ) At that point, the representative refused to proceed with the conversation and ultimately ended the call. This is deeply troubling. If Capital One is confident in its practices, there should be no issue with a customer recording a call especially when Capital One routinely informs customers that it may record calls. Refusing to engage in a recorded conversation suggests a lack of transparency and raises questions about what your representatives are being instructed to conceal. 

Capital One, as a financial institution that benefits from indirect government support including tax deductions and favorable borrowing access should not be shielded from scrutiny when customer concerns go unanswered. If this matter is not resolved promptly and transparently, I intend to file complaints in addition to this complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and other relevant oversight bodies. 

Further, I can not ignore the broader context. Capital One has recently been involved in litigation after closing the accounts of the XXXX XXXX. As a voter and donor who has supported XXXX XXXX and similar political candidates, I am concerned that Capital One may be engaging in viewpoint discrimination or that political affiliation may factor into how customer policies are enforced. While I understand that banks must make business decisions, any perception of political bias especially by a financial institution that receives indirect government subsidies and tax advantages is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
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 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 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 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

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