vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I tried to open a basic business account online. It required me to go to a branch to verify identity. When I got there, the lady refused to submit the application citing that I should have brought information that was available to her online. I went to the XXXX branch because it is closer, and tried again. They had me start the application online again, then I came to the office to wrap it up. I hire a professional services company for my business address. I can lease space there if I like but office space is not required for the work that I do because it is mostly software based. I can receive mail and calls at this office. I did not want my financial mail going to this address, and neither did I want it coming to my personal address. I was told that since I was the XXXX XXXX owner, I would have to get it sent where all of my personal mail was being sent as well. So to resolve the issue of not having the mail go to the professional services address, and not having company mail come to my home, I elected to get a mailbox for all of it to sustain my personal privacy. Soon after I did this, at a cost, Wells Fargo closed my account. They told me that it was in error and that I should reapply. I applied online, went to the XXXX XXXX office, and was treated even more hostile than the first time. I tried to synthesize the issue with escalation to no avail. Now, since my retirement from the Federal Government, in addition to the delay imposed by federal shutdowns, they have sent me harassing emails saying that I no longer qualify as a Veteran, and that I will start being charged for my account before 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 2025-10-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: MT

Complaint narrative:
I submitted a prior complaint about my experience assuming a VA mortgage serviced by PennyMac. Since closing on the house that I bought and assumed the loan for on XX/XX/year>, I have been unable to access my account online or by phone to make a payment ( today is XXXX XXXX ). 

I used the coupons provided at closing to mail in my XXXX mortgage payment and can see that the check has been cashed. 

I also received notice in the mail yesterday that PennyMac has failed to pay my homeowners insurance. I paid the premiums to PennyMac at closing, as required. I have attached letters both from my insurance company and from the lender in second position that my insurance has gone unpaid and that the policy will be canceled on XXXX XXXX. This is an urgent matter that should never have happened, and clear RESPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened a checking account with Wells Fargo for my nephew while he was a minor. After he turned XXXX, he conducted transactions that resulted in an overdraft of approximately {$2500.00}. I was unaware of these transactions and did not authorize or benefit from them. Despite this, Wells Fargo has continued to hold me liable for the overdraft even though my nephew was a legal adult and the sole party responsible at the time. 

I have provided the bank with a notarized affidavit signed by my nephew acknowledging full responsibility for the overdraft, as well as documentation showing that he was over XXXX when the transactions occurred. However, Wells Fargo has not resolved the matter and continues to report the debt in my name. This inaccurate reporting has prevented me from opening new bank accounts for my business and has caused financial hardship. 

I am requesting that Wells Fargo reassign liability for this overdraft to the responsible party, remove any negative reporting associated with my name, and confirm that I am no longer responsible for this debt.

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 2025-10-08 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: NE

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXXXXXX 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
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : 1. INQUIRY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> Reason for Dispute : I did not apply for credit with this company, nor did I authorize them to access my credit report. There is no permissible purpose under FCRA 604 ( a ). 

2. INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/year> Reason for Dispute : I have no existing account or application with XXXX XXXX and did not provide consent for this inquiry. It appears to be an unauthorized or fraudulent pull of my credit file.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background
State: NY

Complaint narrative:
I received a written job offer from XXXX XXXX XXXX on XX/XX/XXXX, to perform data-entry work for XXXX XXXX. The offer stated that employment was conditional on a background check and drug screen. 

The background report was ordered from Accurate Background on XX/XX/XXXX and completed the next day ( XX/XX/XXXX ). The report was generated within XXXX hours and incorrectly marked all of my prior employers as Discrepancy Found, even though my employment information was accurate. I uploaded my XXXX of XXXX from XXXX issued by New York XXXX on XX/XX/XXXX to ensure that my rehabilitation and work eligibility were documented, but it was ignored. 

I repeatedly followed up with my recruiter to confirm if any additional information was needed or if there were issues with the report. No one responded before my offer was rescinded. I was never provided a pre-adverse action notice or a chance to dispute the background report before the decision was made. 

On XX/XX/XXXX, at XXXX a.m., I finally received an Adverse Action Notification from Accurate Background stating that my report was used in the decision not to hire me. This notice came weeks after the offer was already withdrawn. 

As a result, I lost my job opportunity, faced financial hardship, and risked losing my XXXX benefits that had been adjusted based on the employment offer. These events violate the Fair Credit Reporting Act ( FCRA ) 1681b ( b ) ( 3 ) ( A ) ( failure to provide pre-adverse notice and opportunity to dispute ) and 1681e ( b ) ( failure to maintain reasonable accuracy procedures ). 

I am requesting an investigation, a correction to my background file, and confirmation that Accurate Background and XXXX XXXX will ensure proper FCRA compliance in future hiring actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's dispute resolution process, particularly in light of recent findings from the CFPB lawsuit that reveal significant systemic issues with the platform 's consumer protections. 
Despite having used Zelle on multiple occasions and consistently reporting transaction discrepancies through proper channels, neither my financial institution nor Zelle has conducted adequate investigations into my claims. I have been repeatedly informed that fund recovery is impossible and that transaction tracking can not be performed, responses that directly contradict the platform 's responsibility to protect consumers. 
The CFPB 's findings corroborate my experience, demonstrating that Zelle has systematically failed to implement adequate safeguards and has allowed fraudulent actors to repeatedly exploit vulnerabilities within the system. This pattern of inadequate consumer protection, combined with a lack of accountability and transparency, raises serious concerns about the platform 's commitment to user safety and regulatory compliance. 
I am requesting a thorough review of my disputed transactions and a detailed explanation of what measures will be taken to resolve these issues and prevent future occurrences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XXXXXXXX XXXX XXXX, as part of the home-buying process, I received a XXXX XXXX XXXX report showing Experian ( Experian Information Solutions , Inc. ) had falsely associated an open Federal Student Aid ( XXXX XXXX ) loan with my identity. I was an XXXX XXXXXXXX XXXX XXXX borrower in the early XXXX, but paid that loan off in full, in XXXX. I have no current account or open balance with XXXX XXXX. 
Upon learning of this mistake, I contacted Experian and have now submitted several disputes with them, providing documentation and the official Closure Letter from XXXX XXXX with each dispute. Each dispute has yielded the same result with Experian claiming they have investigated the issue and have found the same open balance on my account that was initially listed on the credit report. 
I have spoken at length with XXXX XXXX agents, who have confirmed to me via phone, email correspondence and official letter that my loan was indeed paid in full in XXXX. As part of that inquiry, the XXXX XXXX agent also noted that there have been no inquiries into my account status from Experian or any other agency ( other than myself ) over the past 6 months. I.e., Experians contention that theyve reached out to XXXX XXXX XXXX several times to investigate this matter is 100 % false. 
Experian has falsely associated my identity with an open loan and has falsely claimed to investigate the matter. 
This has negatively affected my credit rating, hindered my ability to purchase a home and ultimately made it more expensive to do so, as my credit rating was cited as a factor in determining my mortgage rate.

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 2025-10-08 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: IA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-08 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: MI

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 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
I am filing this complaint regarding the inaccurate and unverifiable reporting of a charge-off account ( XXXX XXXX XXXX XXXX XXXX on my credit report. 

I previously disputed this account directly with [ XXXX/XXXX/XXXX  or Creditor ] as permitted under the Fair Credit Reporting Act ( FCRA, XXXX U.S.C. XXXX ). The response I received stated : The charge-off has not been changed and will remain. This response is inadequate because it does not include verifiable documentation proving the accuracy or ownership of the account. 

As required by federal law, credit furnishers and credit reporting agencies must ensure that all information reported is accurate, complete, and verifiable. Specifically, under : FCRA XXXX ( XXXX U.S.C. XXXX ) : The credit bureau must conduct a reasonable reinvestigation of disputed items. 

FCRA XXXX ( XXXX U.S.C. XXXX ) : A furnisher of information must not report information that is inaccurate or can not be verified. 

Despite my dispute, this account continues to be reported without proper verification. This is a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: OH

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