vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Complaint : On XX/XX/year>, around XXXX XXXX., I deposited a check for {$29000.00} into my Wells Fargo account through an ATM. I received {$400.00} immediately as a partial release. 

At approximately XXXXXXXX XXXX the next morning, I received an email from Wells Fargo stating that a hard hold had been placed on the check. I called customer service and was told that the bank attempted to get the funds but they were not available, which supposedly triggered the hold. The representative instructed me to contact the check maker. 

I then contacted my employer ( the check issuer ), who confirmed that the funds are available and said they were willing to verify directly with the bank or join a three-way call to confirm. When I called Wells Fargo back with this information, they told me the hold could not be removed and that I needed to visit a branch. 

At the branch, the manager told me that if I had deposited the check in person at a teller, he could help, but since it was through the ATM, there was nothing he could do. He told me to call customer service again. 

I called back, explained that my company was willing to verify funds, and asked for a manual review. The representative again told me there is no way around it whatsoever. 

This situation makes no sense. I have cashed XXXX previous checks from the same company over the past XXXX  years ( amounts ranging from {$4000.00} to {$13000.00} ) without any problems. This is not a new relationship or an unfamiliar check source. 

At this point, Wells Fargo representatives have provided contradictory and inaccurate information, and no one has been willing to manually verify the check or contact the issuer. I believe the bank is misapplying a system hold without valid reason or human review, and I am being denied access to my legitimately earned funds. 

Requested Resolution : Immediate manual review of the deposited check and verification with the check issuer. 
Written explanation citing the specific Regulation CC exception used to justify the extended hold. 
Correction of any internal process errors that prevent legitimate fund verification and release. 

Additional Information : Deposit Date/Time : XX/XX/year>, XXXX XXXX. 
Deposit Method : Wells Fargo ATM Check Amount : {$29000.00} Initial Release : {$400.00} Email Notification of Hold : XXXXXXXX XXXX. XX/XX/year> Prior relationship : multiple similar checks deposited over past XXXX  years with no issues. 

Please help me resolve this matter. I have exhausted every internal Wells Fargo contact and am now seeking CFPB assistance.

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 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Third-Party Collection Company : National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Company and Address : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX original fraudulent billing statement from XXXX XXXX XXXXXXXX shows XXXX charges : XXXX for {$9900.00} dated XX/XX/XXXX and another for {$900.00} dated XX/XX/XXXX. 
I am filing this complaint due to identity theft and fraudulent debt reporting under my name without my authorization. These accounts were reported to the credit bureaus and have harmed my credit standing and reputation. 
I discovered this activity on XX/XX/XXXX, when reviewing my XXXX, XXXX, and XXXX  credit reports. The collection from National Credit Systems appeared as a valid account even though I never entered any lease or financial agreement with XXXX XXXX XXXX or XXXX XXXX XXXXXXXX XXXX. 
Immediately after discovering this, I filed a police report, placed fraud alerts on my credit files, and disputed the item directly with the credit bureaus and National Credit Systems. Despite these actions, the fraudulent account remains and continues to impact my credit. 
I have provided proof of my identity and evidence that I did not authorize or benefit from these charges. However, the companies involved have failed to comply with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), which require proper investigation and accurate reporting. 
I request that the CFPB ensure a full investigation and that all fraudulent accounts and related negative marks be permanently deleted from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
Dear TransUnion 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 INQUIRIES : XXXX - XX/XX/year>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 2025-10-29 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: NY

Complaint narrative:
Dear Equifax 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 INQUIRIES : 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 2025-10-29 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:
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 : XXXXXXXX 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 2025-10-29 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: VA

Complaint narrative:
Dear TransUnion 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : INFORMATIVE - XX/XX/scrub>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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
ACCOUNT I AM UNAWARE OF THIS DEBT AND DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS ACCOUNT. IF YOU BELIEVE YOU SENT PROPER NOTIFICATION, PLEASE PROVIDE 'CERTIFIED MAIL ' WITH RECEIPT SHOWING MY SIGNATURE. IF NOT, PLEASE DELETE THIS ACCOUNT LVNV FUNDING LLC AS SOON AS POSSIBLE FROM MY REPORT OR I WILL HAVE TO TAKE LEGAL ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a td bank business account I deposited checks and chase them from costumers the last checks for a total of XXXX $ was in my account the front desk gave me the money and the third day I check my account was negative when I left XXXX more dollars in the account the company said that the costumer I changed the check didn't had money on the account so I got blimes for it The business name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
I have disputed inaccurate late-payment data on my XXXX XXXX Bank XXXX XXXX ) account multiple times with Equifax. During the previous reinvestigation, Equifax deleted five late payments, which proved that the data was inaccurate. However, Equifax has now reinserted one of those deleted late payments without sending me any written notice, which violates FCRA 611 ( a ) ( 5 ) ( B ). 

The reinsertion occurred even though XXXX never provided original documentation or verification directly to me. Equifax continues to list the account as Consumer Disputes Reinvestigation in Process on my mailed credit report but not on my online or XXXX XXXX reports, which shows inconsistent reporting in violation of FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ).

Equifaxs actions have caused confusion and harm to my creditworthiness. If five late payments were removed for being unverifiable, it is inconsistent and inaccurate for one to remain. This shows that Equifaxs reinvestigation process is unreliable and automated rather than verified with proper documentation from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Company : Goldman Sachs Date : XX/XX/XXXX to present Amount : {$490.00} and {$20.00} In XX/XX/XXXX, I was charged {$490.00}, which was later reversed due to a dispute. Then, in XX/XX/XXXX, the dispute was credited back to my account. However, I am still being charged {$20.00} per month, and this has been ongoing for approximately 13 months. Despite reaching out to have contacted customer service ( agents, supervisor or manager ) multiple times to resolve these issues, I was told that the credit has already been applied. They are unable to reverse the {$20.00} charges for a period of 24 months due to the credit has already been applied. 

I've attached all the statement that I was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 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: IN

Complaint narrative:
Dear TransUnion 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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: OR

Complaint narrative:
I received the notice and paid the full balance, and they closed the account without the warning of closing the account but suspended the account. I paid full balance to reduce the interest that I have been paying a lot because of the high interest rate. They still did not send any warning that has closed when they received the full payment. ( attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: MS

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-10-29 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: MS

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-10-29 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: DISCOVER BANK
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX XXXXXX/XX/year> Via Mail Discover Card Correspondence Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Request to Reinstate Charging Privileges Accounts ending XXXX and XXXX To Whom It May Concern : I completed Discovers payment catch-up/repayment plan and brought both accounts current with the understandingas stated in the online offer I accepted within the Discover app/websitethat charging privileges would not be suspended as a result of participating in that plan. 

Despite fulfilling every requirement and curing the past-due amounts, my accounts ending in XXXX and XXXX remain suspended. This outcome conflicts with the terms presented when I accepted the offer and relied on it to make my payments promptly. 

I respectfully request : Immediate reinstatement of charging privileges on both accounts. 

Written confirmation that my accounts are in good standing with no adverse internal flags stemming from the repayment plan. 

A copy of the internal notes and audit trail for the repayment-plan offer I accepted ( including the acceptance timestamp and offer language ), along with any policies governing post-completion account status. 

If there is any reason reinstatement can not occur, please provide a specific written explanation citing the exact policy and where it was disclosed at the time of my acceptance. 

I value my relationship with Discover and relied on the online representations when I agreed to the plan. Please review this promptly and advise in writing of the actions taken. This is for " both '' accounts I have with Discover Card. Not just one account. The agreement was for both accounts. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
Dear TransUnion 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 INQUIRIES : XXXX  XXXX - XX/XX/year> 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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report currently contains wrong personal information, particularly addresses that are not associated with me. I have enclosed the supporting documents to help you verify this, and I respectfully demand that these inaccurate addresses be permanently deleted from my record without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When I contacted Capital One by phone to ask about hardship assistance, I was placed on hold and made a payment of {$300.00} while waiting. After processing the payment, the representative told me no help was available after being on hold for 7 mins. I would not have paid if Id been told the truth before processing. This was misleading and unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: OK

Complaint narrative:
I dispute the late payments reported on Department of EducationXXXX XXXX These delinquencies were inaccurately reported because the servicer failed to provide proper, timely notice that my forbearance ended and failed to deliver a billing statement far enough in advance of the due date. I received no phone, email, or mailed notice that payments were becoming due. Because I was not informed, I was denied a reasonable opportunity to pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: National Credit Adjusters, LLC
State: VA

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. 
Account Name NCA Account Number XXXXXXXX XXXX XXXX XXXX XXXX Amount {$310.00} date XX/XX/2025 This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 basically overdrafted my account by XXXX, then had someone XXXX me XXXX but because of maybe a delay it wouldnt register the XXXX transfer to my account. I thought the 3 day grace period was reset since I already confirmed the person had XXXX  me the XXXX so due to an emergency I had to pull out another XXXX from the bank which made my account negative XXXX, but I had thought because I already confirmed the XXXX and figured the overdraft chargin period had reset, so I could cover it right away the next day, but I checked my account and it was XXXX negative. I tried to contact them for a refund and was denied because of a previous refund for a totally different situation, and I asked if I could close my account and if that would resolve this and was told it would by a customer service employee, but I got an email instantly afterwards saying that they could not close my account. Ive always made sure to pay my negative balance and never got it to become a big amount, and for some reason the XXXX transfer shows that it was after my XXXX dollar atm transaction when Im CERTAIN it was before, so i dont understand why I have to be charged for their delay and why they dont have any courtesy for a member like me who has had a decent history.

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