vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I woke up to find a text message from Wells Fargo saying that my card had been declined because I had already exceeded the daily limit. I called Wells Fargo and got online simultaneously to find out that an ATM card that had been issued to me had been used in multiple transactions overnight between XXXX and XXXX am. I had been waiting for a replacement card to arrive in the mail. I NEVER RECEIVED THE CARD. I then find out that Wells Fargo had mailed the card out in XXXX envelope and in another, they mailed a PIN number. The mailboxes in my apartment complex were broken into and the theif sent a {$500.00} XXXX XXXX payment to a XXXX XXXX first. That transaction must have been processing still because it wasn't showing on my banning app. The bank CSR told me but would not give me her XXXX XXXX hash tag or any other info. Obviously she is involved. After that they went to a XXXX gas station named XXXX  and used the card at the gas pump. Then they went inside and used it again at the register. After that they went to the ATM inside the store and used it 5 times until they exceeded the daily {$1000.00} limit that you can withdraw from the ATM. There are cameras inside and outside the store. The ATM has XXXX. I went to the XXXX and they wouldn't let me see the security footage. It seems to me that between all the cameras and the information on the XXXX XXXX transaction, Wells Fargo should have been able to easily find the person who did this. Instead, my claim was closed. I was told that the person who did it had my PIN number so I must have been involved. There were other purchases made prior to all of this that I made using my digital wallet. Looking at the bank statements, you can't see which are from the virtual card and which are from the plastic so unless you actually investigate, you wouldn't know. I'm sure that XXXX is able to determine that I never had the card. I never gave anyone my PIN. My claim shouldn't have been denied. I did also report it to the XXXX mail fraud department. It's been 5 months and it's still an open investigation. Wells denied my claim. I called to have it escalated. They closed it again. I didn't even get a notice. When all this happened, I closed that account and opened a new one. Now I don't have any access to the information on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I have used XXXX numerous times to buy and sell cryptocurrencies. I have been verified and have XXXX banks connected and XXXX debit card. I have used a second before but keep a main one on there. I recently had an emergency where I needed access to cash so I decided to sell my XXXX. I sent XXXX to XXXX and cashed it out no problem. I then switched debit cards so I could send another XXXX to that bank the following day when my limit reset. After my limit reset I tried to withdraw and the app said I was unable as it wasnt allowed. I thought it might have been the debit card so I switched it back and tried to cashout again and this time it said my account was restricted. I have called and emailed and used chat to find out why and what I can do to solve the issue. There chat just disconnects me and telephone says the same script as the email. That I have to wait for review. I have read dozens and dozens of horror stories about XXXX and there account restrictions. I feel that I should he made aware of why they restricted it and told what I can do to resolve it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent Transunion a dated and time-stamped dispute letter ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. However, Transunion responded by stating that the inquiries were verified, yet failed to provide any explanation or proof of how this verification was conducted. Under the Fair Credit Reporting Act ( FCRA ), inquiries must have a permissible purpose, such as for employment, insurance, a court order, or a firm offer of creditnone of which apply in this case. Furthermore, in XXXX v. TransUnion, the court ruled that credit reporting agencies must conduct a proper and reasonable reinvestigation of disputed information rather than simply relying on automated responses. Given Transunions failure to properly verify these inquiries, I formally request the immediate removal of the following inquiries within 7 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-18 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: IL

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 non-monetary relief
Consumer complaint received 2025-04-18 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: TN

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Apartment XXXX XXXX XXXX, CT XXXX Date : XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It XXXX Concern, My name is XXXX XXXX, and I am submitting a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding their failure to properly verify and furnish documentation of a reported account on my credit file. 

Although I initially submitted a dispute regarding this account through Experian, I was informed by Experians customer service representatives that they are simply reporting what XXXX XXXX XXXX XXXX XXXX tells them without being provided any supporting documentation from the furnisher. When I asked Experian for verification, they explained that XXXX does not furnish any actual documents and instead gives simple responses like verified, not verified, or delete. In my case, XXXX has responded that the account is verified, and therefore Experian continues to report it. 

This lack of transparency and supporting documentation is a direct violation of my rights as a consumer. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), when a consumer disputes the accuracy of information on their credit report, the furnisher of the information must conduct a reasonable investigation and provide proper verification. That includes producing original documents, signed agreements, and all relevant evidence to support the legitimacy of the debt. 

XXXX XXXX XXXX XXXX XXXX has failed to provide me with any such documents, even though I have requested them formally. I am not satisfied with a generic verified response without evidence to support it. The burden of proof lies on the furnisher, and until they provide the original signed documents proving the debt, it should not be reported on my credit file. 

Therefore, I am requesting that the CFPB take appropriate action to compel Nutmeg State Financial Credit Union to : 1. Furnish all original documentation related to the disputed account, including contracts and signed agreements ; 2. Provide a detailed explanation of their verification process ; 3. Be held accountable for potential non-compliance with FCRA regulations ; 4. Remove or correct the disputed account if they are unable to verify it properly. 

Thank you for your attention to this matter. I trust the CFPB will investigate and enforce my rights under federal law. 

Sincerely, 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 2025-04-18 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: CA

Complaint narrative:
Im filing this complaint because inaccurate and misreported information has once again appeared on my credit report. These accounts do not belong to me and seem to be mistakenly linked to another individuals profile. Whats even more frustrating is that this information was previously removed after I reported it, yet it has reappeared without any prior notice or valid justification. This not only raises ongoing concerns about identity theft and fraud but also constitutes a clear violation of my rights as a consumer. The repeated reappearance of deleted data is unacceptable and damaging to my credit standing and financial well-being.

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 2025-04-18 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: MO

Complaint narrative:
I am filing a complaint regarding inaccurate reporting on a personal installment loan issued by XXXX XXXX  XXXX opened on XX/XX/year>. 

The account shows that I made 0 % of payments on time, which is factually incorrect. The payment history clearly reflects that I made on-time payments from XXXX through XX/XX/year> ( 5 months ), yet the system labels it as 0 % on-time. This is a serious reporting error. 

Additionally, the monthly payment amount is not reported, despite it being a XXXX term loan, and XXXX late payments are reported in XXXX, XXXX, and XX/XX/year>. However, the account is listed as paid in full and closed on XX/XX/year>, with a {$0.00} balance. This raises questions about whether the reported late payments are legitimate or should be considered disputed. 

Under the Fair Credit Reporting Act, I am requesting a full investigation and correction of this inaccurate and misleading reporting. This negative tradeline is impacting my credit profile unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I found the complaint against this bank already and is going nowhere I want a higher level to take action and I want this account closed and I want my money out of this account this bank has discriminated against me because of my XXXX preference and they refuse to do anything to get to a resolution of this matter please can someone hire then whoever is the lady that contact me please do something about this bank and your discrimination it's against the law and it's illegal they have been holding my money over XXXX weeks now and I want my funds and I want this account close

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I enrolled in XXXXXXXX XXXX XXXX XXXX XXXX program. During the enrollment process, representatives of both XXXX XXXX and Climb Credit systematically represented the financing option as a 'private student loan ' in all verbal communications, written materials, and throughout the application process. This representation constituted a material factor in my decision to proceed with said financing. 
In XX/XX/XXXX, upon attempting to refinance through established educational lending institutions including XXXX and XXXX XXXX, I was informed that the Climb Credit product in question did not qualify for student loan refinancing programs. After due diligence and inquiry, it was determined that despite explicit representations to the contrary, Climb Credit had issued a consumer loan product rather than the private student loan as advertised and promised. 
The aforementioned misrepresentation appears to constitute a deceptive business practice in violation of applicable consumer protection statutes. The interest rate applied to this consumer loan substantially exceeds market rates for comparable educational financing products. Furthermore, this misclassification precludes access to protections and benefits typically afforded to student loan borrowers. Had accurate information been disclosed regarding the true nature of this financial instrument, alternative financing options would have been pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX {$1800.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Balance {$970.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$460.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$290.00} Open Date XX/XX/XXXX XXXX XXXXXXXX Balance {$210.00} Open Date XX/XX/XXXX XXXX Balance {$200.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-18 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Balance : {$4900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$350.00}, XXXX XXXX * * * * Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX * * * Balance : {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Balance : {$4900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$350.00}, XXXX XXXX * * * * Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX * * * Balance : {$2100.00}

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 2025-04-18 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful

Company response to consumer: Closed with non-monetary relief