vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/year> I was contacted by someone impersonating Wells Fargo claiming that I had been robbed by someone for XXXX dollars through my XX/XX/XXXX. I was skeptical but they had all my info and were really convincing and I was careful not to give them any of my information and I didnt. They asked me to go to my cash app and put in a Wells Fargo credit card used for quickly restoring peoples accounts when theyve been robbed. I put in the card information and they were able to send me a Wells Fargo cXX/XX/XXXXe to complete the transaction. A few days later, on XX/XX/year> XXXX dollars was pulled from my account. I reported it to Wells Fargo immediately and closed down anything that could pertain to it. Wells Fargo denied my claim though so I had to take it up with them again but they denied it again. I dont know how they could deny it when someone was able to impersonate wells Fargo XXXX all my information and send me a Wells Fargo cXX/XX/XXXXe and somehow steal XXXX dollars from me when this has never happened ever in my XXXX history with Wells Fargo because I am so careful about these things. With this new age technology that were up against, fraud attempts are happening left and right daily and I do everything I can to not fall victim and when it happens for the first time in my life, Wells Fargo just denies my claim and any compensation. That shouldnt be right.

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 2025-12-01 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: MD

Complaint narrative:
I am writing to dispute the accuracy of several accounts reported on my credit report. Below is a breakdown of the accounts in dispute, separated by bureau : CHARGED OFF EXPERIAN ( XXXX ) : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} LATE PAYMENT EXPERIAN ( XXXX ) XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : 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
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am filing this complaint against LexisNexis for creating an impossible verification loop that prevents me from accessing my consumer report, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The Broken Process : 1. Initial Online Request & Verification : In XXXX, I submitted a request for my consumer disclosure report through the LexisNexis online portal. I successfully completed their online identity verification process at that time. 
2. Unexpected Mail Demand : Instead of receiving the promised PIN or online access, I received letters from LexisNexis via mail. These letters did not contain my report but demanded that I submit additional, physical identification documents to " verify my identity. '' 3. The Impossible Loop : This creates an unreasonable barrier. Their own online system verified me, yet their offline process disregards that verification and demands more. This circular requirement makes it functionally impossible to obtain the report I am legally entitled to. 

Why This is a Problem : The FCRA requires LexisNexis to provide my report upon request. By establishing a system where their verification methods conflictapproving me online but rejecting that approval via mailthey have constructed an unlawful barrier to access. This prevents me from reviewing my information and exercising my right to dispute inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally report repeated unauthorized access to my TransUnion account despite multiple security measures I have put in place. The fraudulent activity is linked to the phone number XXXX, which has been used to compromise my account. 

This individual has not only hacked into my TransUnion account but has also gained unauthorized access to my bank account and other credit bureaus, causing significant harm and risk to my financial security. As a result, I am unable to sustain a credit freeze and they have repeatedly filed unauthorized credit reports in my name for the following in the year XXXX : XXXXXXXX XXXX Consolidated on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX CARD on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS on XX/XX/XXXX Unauthorized XXXX Bank address change on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized XXXX Bank address change on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX I have previously notified all three credit bureus, including TransUnion of this issue, yet the breaches continue. The breaches have been unsuccessful with other credit bureus ( XXXX and XXXX  ). I request immediate and urgent action investigate and block the fraudulent number XXXX from accessing my accounts This situation is extremely serious, and I expect swift resolution to protect my identity and financial wellbeing. I am in the process of filling a police report as well.

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 2025-12-01 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: GA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Subject : Complaint Regarding Unfair Fee Increase and Minimum Balance Requirement To Whom It May Concern : I am writing to formally complain about the recent changes to Wells Fargos checking account policies, specifically the increase in the minimum daily balance required to avoid the monthly service fee.

I currently maintain approximately {$500.00} in my account, which was previously sufficient to avoid fees. I am currently unemployed and do not have any other sources of income at this time. Raising the minimum balance requirement to {$1500.00} is causing a financial burden on me, and I am now being charged {$15.00} per month simply for maintaining my account. 

I feel that this change is an unfair practice, as it effectively penalizes customers who are already facing financial hardship. It places undue stress on individuals who rely on their accounts for basic financial needs.

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 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Ive always made my Lane Bryant credit card payment on time to Comenity Bank. I recently set up a new bank account and made my XXXX payment using the new account on XX/XX/2025. Shortly after making the payment I received an email saying my payment was returned. I contacted my bank to inquire about my account. They never received a debit from Comenity.

I then called Comenity and was assured by their rep that he could see my payment and everything was fine. He had no clue about the email Comenity sent and couldnt provide any information as to why I received it. 

I kept an eye on my accounts and noticed the payment still had not deducted from my bank as of this morning, XX/XX/2025. I logged on to my Lane Bryant/ Comenity account and noticed a returned check fee of {$30.00} dollars more than doubling the card balance. 

Ive called and spoken to multiple people in multiple countries working on behalf of CONmenity Bank. The reps are unhelpful and escalate tensions with their customers. The reps talk over the customer, cut them off and try to deter the closure of the accounts when they refuse to offer any reasonable solutions. I was told that regardless of the payment still not being late, the fact I tried to make a payment and one digit of my bank account missing constitutes a returned check fee. 

How is this legal, my payment still isnt due for another 6 days and because one digit of a new bank account was off, Im being charged as if I had insufficient funds for my payment. This is deceptive and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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.

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 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-12-01 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: AK

Complaint narrative:
I am disputing the following items on my TransUnion credit report. These accounts and inquiries contain inaccurate or unverifiable information that should be corrected or removed per FCRA requirements.

Charged-Off TU : XXXX XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries TU  : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payment TU : XXXX XXXX, Account No. 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
Consumer complaint received 2025-12-01 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:
I have requested a validation of the XXXX XXXX XXXX account directly with XXXX XXXX XXXX. The creditor is reporting this account correctly as Paid as agreed, and Paid and closed with NO late payments only to Equifax. The account number ( XXXX XXXXXXXX ) reflected for Equifax is not being correctly reported to the XXXX  and XXXX  reporting agencies. Also, the Creditor contact information is incorrect across all three credit reporting agencies. The account information provided by the XXXX XXXX XXXX  company is not the same account number being provided to XXXX  and XXXX  of XXXX. Credit One Bank is reporting this account ( XXXX ) as a 30 Day late payment account to the XXXX  and XXXX  credit reporting agencies which is inaccurate data. yet XXXX XXXX XXXX  reports this account as paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: AL

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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is a request for CFPB re-investigation of a previously closed complaint ( COMPLAINT ID : XXXX ) My prior CFPB complaint regarding fraud on my TD Bank account was closed after TD Bank stated that I initiated and authorized the transactions. This is not accurate, and the banks response left out critical information. I am submitting new evidence that was not included in my original complaint. 

I was the victim of a sophisticated social-engineering scam in which I was deceived into transferring funds under the belief that I was speaking with an official XXXX representative . I did not understand what I was doing as I am an adult on the XXXXXXXX XXXX handling my own finances and never encountered a scam like this before and did not intend these transfers, and the scammer even obtained my banking login information and did a mobile deposit into my bank account with a fraudulent check using the identity of an actual business and my name and identity as the recipient. 

I have located additional screenshots showing transactions ( highlighted in yellow ) that were executed under the scammers instructions. These clearly show a fraudulent pattern. These screenshots were not included in my first submission because I located them afterward. 

In addition, a XXXX XXXX Police Department detective handling my report informed me that my case has been forwarded to a Financial Crimes Unit and that they identified a nearly identical fraud case in Illinois tied to one or more of the same phone numbers used in my scam. 

This significant law-enforcement finding was not disclosed or acknowledged in TD Banks response to the CFPB, and the banks claim that no bank error occurred does not reflect the ongoing criminal investigation or the evidence of coercion and deception. 

I respectfully request that the CFPB reopen or re-investigate this matter and require TD Bank to conduct a complete and accurate review in light of the new evidence and the active law-enforcement involvement. 

I am attaching all newly found screenshots and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 US Code 1666B 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 ( FCBA ) 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 2025-12-01 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 US Code 1666B 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 ( FCBA ) 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 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