vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
After being approved for credit card my account was frozen and placed on a " restricted '' status as per the email and text message I received informed me. The reason for it was because " we recently detected suspicious activity on your account '' and instructed me to call " so we can clear things up for you right away ''. I thought at first that it was a phishing/scam email as I logged into account online immediately and verified that there havent been ANY transactions or declined transactions? When calling I was transferred to their " fraud dept ''. Their fraud dept rep said I had to verify that I applied for card. Then told me I had to verify my identity in order to remove restriction. So I was sent a link to my cell phone and had to take pics of my drivers license ( front and back ) and a live selfie. I did as requested, after completing it a message on screen clearly said, " your identity has been successfully verified ''. But rep said that no I wasn't verified because I didnt pass the previous process. I did this same process 6-8 times always showing same message, successfully verified identity. A fraud dept Supervisor said my last and only option was to send copies of my drivers license via email or fax and a current utility bill. Then those docs would be " manually reviewed '' but I had to wait for a call back in 1-10 days. I sent it via fax and waited 2 weeks for a call and NEVER received one. When I called about it, I was informed that my government issued drivers license and current utility bill ( proof of address ) wasn't accepted and couldnt be verified?? I have patiently complied with all their requests and still my account remains restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit XXXX  regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the XXXX  are legally obligated to investigate and correct them. I have received responses suggesting I am using a XXXX-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX A XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Employer - XXXX XXXX Employer - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged 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 Listed below are the Inquiries that are being challenged XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, LA XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  DEPTED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTED/XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sending to formally dispute the accuracy of multiple items that appear on my credit report. I believe the information listed below is inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of each item and verification of the accuracy, completeness, and timeliness of the reporting. 
Please review and reinvestigate the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX BKPT XXXX GA  XXXX XXXX XXXX Amount {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Amount {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX A XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXXXXXX 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending to formally dispute the accuracy of multiple items that appear on my credit report. I believe the information listed below is inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of each item and verification of the accuracy, completeness, and timeliness of the reporting. 
Please review and reinvestigate the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX BKPT XXXX GA  XXXX XXXX XXXX Amount {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Amount {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX A XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccuracies currently appearing on my credit report, including outdated or incorrect addresses, late-closed accounts, charge-offs, and a public record that may not meet current reporting standards. Despite my prior dispute, these items continue to appear inaccurately, and I have not received any adequate explanation, documentation, or validation from the credit bureau regarding their continued reporting. This ongoing failure to correct or verify disputed data constitutes a violation of the reinvestigation and accuracy provisions under FCRA 1681e ( b ), 1681i, and 623 ( a ) ( 1 ) ( A ). The specific items in question include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1100.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$9300.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$810.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$11000.00}, and a XXXX  XXXX Bankruptcy discharged through the XXXX Bankruptcy XXXX for the XXXX XXXX XXXX XXXX, filed/reported on XX/XX/XXXX. Additionally, the accounts XXXX XXXX ( reported XX/XX/XXXX ) and XXXX CARD ( reported XX/XX/XXXX ) appear to contain inaccuracies that warrant immediate review.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccuracies currently appearing on my credit report, including outdated or incorrect addresses, late-closed accounts, charge-offs, and a public record that may not meet current reporting standards. Despite my prior dispute, these items continue to appear inaccurately, and I have not received any adequate explanation, documentation, or validation from the credit bureau regarding their continued reporting. This ongoing failure to correct or verify disputed data constitutes a violation of the reinvestigation and accuracy provisions under FCRA 1681e ( b ), 1681i, and 623 ( a ) ( 1 ) ( A ). The specific items in question include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1100.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$9300.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$810.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$11000.00}, and a XXXX  XXXX Bankruptcy discharged through the XXXX Bankruptcy XXXX for the XXXX XXXX XXXX XXXX, filed/reported on XX/XX/XXXX. Additionally, the accounts XXXX XXXX ( reported XX/XX/XXXX ) and XXXX CARD ( reported XX/XX/XXXX ) appear to contain inaccuracies that warrant immediate review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
I am filing this complaint against Equifax because my credit report is showing several inquiries that I never authorized or consented to. These inquiries were made by companies with which I have no prior or existing credit relationship, and at no point did I provide written or verbal authorization for them to access my credit file. The specific inquiries currently listed on my Equifax report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am very concerned about how these inquiries were added to my report because I have not applied for any loans, auto financing, or credit cards with these companies around the dates shown. Some of the names are completely unfamiliar to me, and the clustering of multiple inquiries on the same dates indicates possible mishandling or unauthorized data sharing between lenders or dealerships. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), credit reporting agencies like Equifax are required to ensure that information included in a consumers credit file is accurate, verified, and only furnished for a legitimate purpose. Allowing unverified or unauthorized inquiries to remain on a consumers report violates this duty. Each inquiry has an impact on my credit score and the way lenders perceive my financial behavior as though I have been actively seeking multiple lines of credit, which is untrue and unfair. 

What makes this situation more frustrating is that when I previously attempted to dispute unauthorized inquiries, Equifaxs response was generic and non-transparent. Simply stating that the data was verified is not sufficient under federal law. The FCRA mandates a reasonable investigation, and that includes producing actual evidence showing that I authorized the inquiry. Without that proof, these inquiries should not remain. 

This has caused emotional stress and unnecessary financial hardship. I take my credit very seriously, and having unauthorized access to my personal financial data undermines my confidence in Equifaxs ability to safeguard consumer information. It is unacceptable that inaccurate or questionable inquiries can remain despite clear evidence that I never approved them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My checking account was illegally closed and without notice. Bad banking business and practices. I performed a legitimate dispute request with the cooperation of XXXX because of return issue on a product however XXXX did share with me charge back copy because it was categorized wrong so wrong it was incorrect the dispute was did not receive refund or credits because it will return ever responsible categorize it as a serious unauthorized transaction and that was not correct however the amount and everything else was it was found in my favor of course the assistance on XXXX but they what I mean provide to you how serious what time is you file it was. I authorize the transaction it was several return and did not get credit or refund type of issue. dispute was legally found in my favor of course and now credited back to an account that you was closed illegally

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing the following account on my Experian credit report that appears inaccurate, outdated, or unverifiable. I request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off / Collection Accounts XXXX XXXX  Account # XXXX, XX/XX/year>, {$310.00} Inquiries, Positive Accounts, and Late Payments None listed for Experian. 

I request verification of all disputed items and removal of any that can not be substantiated.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is being formally filed on behalf of XXXX XXXX by XXXX XXXX, the authorized representative of XXXX XXXX XXXX, XXXX, under a signed Consumer Authorization and Limited Assignment Agreement dated XX/XX/year>. TransUnion Information Solutions , Inc. has repeatedly and willfully violated the Fair Credit Reporting Act ( FCRA ) by refusing to remove clearly fraudulent accounts from XXXX XXXX credit file despite receiving multiple verified disputes and all required supporting documents. The consumer has provided TransUnion with a valid FTC Identity Theft Report, government-issued identification, proof of address, and a sworn statement under penalty of perjury confirming that the XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts are entirely fraudulent. Despite receiving this documentation on several occasions, including prior disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, TransUnion continues to disregard its statutory obligations under FCRA 605B, which requires blocking identity theft-related information within four business days, and FCRA 611 ( a ), which mandates a lawful reinvestigation within 30 days. This pattern of neglect and noncompliance is not only unlawful but demonstrates a willful disregard of consumer protection laws, resulting in ongoing financial harm, credit denials, and emotional XXXX for the consumer. TransUnions repeated failure to act in accordance with federal law constitutes deliberate misconduct and willful FCRA violations. The authorized representative therefore demands that the Consumer Financial Protection Bureau ( CFPB ) take immediate enforcement action compelling TransUnion to permanently delete all fraudulent accounts, produce full verification documentation under 609 ( a ) ( 1 ) ( A ), and issue an updated and corrected credit report. TransUnions persistent refusal to fulfill its legal duties shows a reckless indifference to consumer rights and justifies regulatory intervention, civil penalties, and appropriate corrective measures to ensure full compliance and accountability. 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I opened a Wells Fargo Everyday Checking account on XX/XX/year> solely for the advertised {$320.00} new-account bonus incentive. The promotion clearly applied to new customers, and I did not have an existing active Wells Fargo account at that time.

Shortly after opening the eligible account, I accidentally opened a second checking account. I realized the error immediately and closed the second account within a few days. A Wells Fargo representative assured me at the time of closure that : 1. I was keeping the correct/eligible account 2. The promotional code was correctly applied 3. The mistaken second account would not affect my bonus eligibility Despite this, Wells Fargo is now denying the bonus, claiming I was ineligible due to having another same-type account. This other account existed only because it was created accidentally after the qualifying account, and it was reported to the bank and closed almost immediately.

I acted in good faith and relied on the direct statements of a Wells Fargo employee. Wells Fargos decision to deny the incentive contradicts the terms and the guidance I was given. This feels deceptive and inconsistent with fair banking practices, especially considering Wells Fargos history of account-related misconduct.

Requested Resolution : Honor the {$320.00} promotional credit as advertised for the qualifying account opened on XX/XX/year>. 

Also, I was using the excel to reconcile my account and found that the account balance was off by at least {$400.00}. This is beyond reproach.

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