vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX I need help with 3 issues I need to report a payment keeping getting declined please fix it so it doesnt decline on me no more and need to report a agent worker to yall Please report ( XXXX ) XXXX XXXX to her or his supervisor they disconnect my chat on me for no reason and I want them punishment and investigation and didnt help me resolve my unresolved issue and also need another issue resolved please help me fix my XXXX  allow access to my location I cant grant access so yall can have access to my location or dont see the option to grant in the XXXX  app or XXXX XXXX settings all my chat support ticket numbers are [ XXXX ] Your XXXX  Chat Transcript | XXXX # XXXX and [ XXXX  ] Your XXXX Chat Transcript | XXXX # XXXX and [ XXXX  ] Your XXXX  Chat Transcript | XXXX # XXXX and my XXXXXXXX email is XXXX and phone number is XXXX and XXXX is @ XXXX I am requesting for the agent a one time credit for the issue of {$1000.00} or {$2000.00} or any other relief yall can add to my account balance for me etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I previously opened a case against Wells Fargo Bank for excessive Overdraft Bank Fees, and today XX/XX/year> I received a call from Wells Fargo Bank Corporate representative by the name of XXXX XXXX XXXX. He told me that he reviewed my account and that Wells Fargo Bank was not able to reverse the 3 Overdraft Bank Fees for {$35.00} each, because their bank policy on Bank fees doesn't allow it. 

I explained to him, again, that the 3 Bank Overdraft Fees were posted on my account as a result of XXXX automated monthly payments that were posted in my account, and that I have called Wells Fargo Bank Representatives asking them to stop automatic payments in my account, but they didn't do it, so Wells Fargo paid the 3 amounts, resulting in 3 Overdraft Bank Fees. - XXXX XXXX XXXX response was that the Wells Fargo Bank has no ability to stop the payments. - which it's not true, because Wells Fargo Bank representatives have the ability to stop any future payments, but obviously that's just their excuse.- - This is just a tricky, and very unprofessional way from Wells Fargo Bank to charge customers with bank fees. Wells Fargo Bank just looks for ways to charge customers with more bank fees, on addition to their monthly bank fees.! 

I will also write a letter against Wells Fargo Bank fees, and send it to the US government in Washington, D.C., so they are aware of Wells Fargo Bank unprofessional and ludricous business conduct.

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 2025-05-30 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: GA

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-30 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY 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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I used my debit card at XXXX gas station # XXXX. I authorized a fuel purchase of {$10.00} for my XXXX XXXX. However, my account was charged {$120.00}. 

I filed a dispute with Wells Fargo, and the bank issued a temporary credit of {$110.00}. Later, they reversed that credit, claiming there was no error. I explained that my car can not physically hold that much fuel, and I did not authorize that charge. I do not have a receipt, but I followed up with a faxed letter of explanation. 

Wells Fargo refused to reconsider, and I believe I was overcharged and not properly protected as a customer. {$110.00} was taken from me for a transaction I did not approve. I am requesting that the CFPB review this and ask Wells Fargo to re-open the claim.

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 2025-05-30 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-05-30 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: NV

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I receive social security benefits for the social security administration every first of each month on the month of XX/XX/XXXX social security depositor my benefits into my Capital One account on XX/XX/XXXX they close my account Capital One they are saying that they are from transactions that they need to investigate I have contacted the merchants those transactions with reverse by the merchant I have contacted the social security administration over the phone and in person and they say that they need to wait for the bank to return the payments to the social security administration every time I call the bank Capital One they keep saying no we are investigating which I have proved the day we're done with investigation and they say they once they're done who knows when they will send a paper check to me with my money because of her social security funds I really need them to send them back to the social security administration to the social security administration can send them back to me to my new bank account with another bank Capital One XXXX complaining and every time I call and I asked for a supervisor they denied me that most of the time because I said we have to verify that is you because I haven't be able to get my funds my money I haven't been able to pay my cell phone so I can not get text messages from them to verify that it's me I give them every other information they ask for and they still say that there's nothing they can do when I ask how long it will be they said we don't have a time frame when I asked how much are you going to give charging we don't know so I really need some assistance with this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank closed my account for no reason. When I go to the bank, they explain that they can't do anything and that they don't know why it's closed. They just know that it's closed. 
On Wednesday the XXXX, I received notification that the account was restricted, and on Thursday the XXXX, they had already closed it without reason and without giving me the opportunity to defend myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: LEXISNEXIS
State: AR

Complaint narrative:
REQUEST REMOVAL AFTER FALSE VERIFICATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX & Lexis Nexis XX/XX/XXXX RE : Bankruptcy Listing Not Verified By XXXX XXXX nor by XXXX. 
On XX/XX/XXXX, I received my credit report from you online. It included the following incorrect information XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Case ID XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Case ID XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Case ID XXXX ////////////////////////////////////// I am enclosing a copy of my XXXX  Credit Report with the FALSE VERIFICATION data highlighted. I just received a letter from XXXX and from both XXXX Bankruptcy Courts, stating that they DO NOT REPORT NOR DO THEY FURNISH INFORMATION TO ANY CONSUMER REPORTING AGENCY.ALL THREE ALSO STATED THAT THEY DO NOT VERIFY OR VALIDATE CONSUMER REPORTING CREDIT INFORMATION. 
If XXXX and the XXXX Bankruptcy Courts DO NOT VERIFY, REPORT OR VALIDATE, how did you validate or verify? ///////////////////////////////////////// Furthermore, In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow-up. BECAUSE XXXX  AND XXXX BANKRUPTCY COURTS HAVE BOTH STATED THEY DO NOT VERIFY NOR VALIDATE, PER MY LETTERS ATTACHED .. LETTERS DIRECTLY FROM XXXX  AND THE XXXX BANKRUPTCY COURT.////////////////////////////// Please forward me an updated credit report after you have actually lied that you verified. Please removed these BANKRUPTCYS FROM MY CREDIT TODAY, OTHERWISE, MY NEXT ACTION WILL BE A LAWSUIT FOR PUNITIVE DAMAGES. ( OR ) provide your proof of validation and verification thats different from what XXXX AND BOTH XXXX BANKRUPTCY COURTS STATES. 
Your cooperation and prompt attention are greatly appreciated. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am writing in response to your items reporting on my credit report regarding an alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide proper validation of this debt.

Please provide the following : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A detailed statement or copy of any judgment ( if applicable ) ; 4. Documentation showing that you have the legal right to collect this debt ; 5. A copy of the original contract or agreement bearing my signature ( if available ) ; 6. Proof that the statute of limitations has not expired.

Please be advised that until this debt is properly validated, you must cease all collection activities, including reporting this debt to credit reporting agencies. Any further collection activity without validation of the debt may be considered a violation of the FDCPA.

This letter is not an acknowledgment of the validity or ownership of the alleged debt. I request that all future communications be in writing only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
When I spoke to XXXX in XX/XX/XXXX, they confirm this collection was not mine, but refused to give me a letter stating that. I'am entitled to that letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
This company spams robo calls and then reported that I owe a nonexistent debt to them. I disputed them to the credit bureaus on XXXX/25 but they kept the report. The false debt is said to be medical, but the only time I have been to a hospital in the last decade I drained my savings to pay out of pocket.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
I donot recognize the address remove them from report. Thank you 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CL Holdings LLC
State: PR

Complaint narrative:
I donot recognize the address remove them from report. Thank you 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I scheduled a full balance payment for XXXX/25 on a known bank account linked to my card account. There was also an autopay scheduled and I made a small payment both of which are accounts Ive used before to pay. They froze my account and are refusing to let the payment go through unless I conference call all 3 banks with them to verify. I am a busy person and dont have time to waste verifying a payment from a known account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was trying to make changes to my cd which was inside the grace period went to Citibank branch added money and wanted it to rollover to a 5 month from a 3 month. They affected funds but could jut give me confirmation of the changes said it was computer issues after bring there for 45 min. They called sine assistance number was given a ref number and told it would appear the next day. Next day it appear but still under a 3 min. Called was on phone for an hour told nothing they could do went back to branch spoke with same rep told me I would have to close and reopen but would be. Penalty while doing this the rep stated that my account should I am in Public assistance and welfare. Neither which is true. I had fraud to the tube if {$25000.00} from this institution. I would like some help with possibly suing due to all this incompetence.

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 2025-05-30 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: CA

Complaint narrative:
There is an inquiry on my credit report that is fraudulent and was not made by me period. I did not authorize it, I did not apply for anything with this company, and I have no idea why my credit was accessed. 

This is a clear violation of my rights and an invasion of my privacy. I take my credit and personal information very seriously, and I will not allow unauthorized activity to go unchallenged.

Company response to consumer: Closed with non-monetary relief