vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I called recently and request for a few overdraft fees to be waived and I was told we can only do XXXX per year. 

I called Wells Fargo XX/XX/XXXX and expressed that due to my hospital XXXX  my payments to some institutions were delayed and caused a setback. As a courtesy can we waived a few overdraft fees considering my situation and long-term relationship banking with you. I was denied even though I expressed that for over XXXX I had a mortgage with them and receiving my direct deposit only with them. Moreover, also had a car loan for appr XXXX that is paid off. I was still rejected. 

Some of these XXXX $ per item fee was assessed on items XXXX {$14.00} $ some XXXX XXXX 

I'm a was a XXXX XXXX living on a fixed income ( pension ) and have many XXXX. Due to my current health condition and inflation rising I'm asking if you can assist in this matter. Since XXXX XXXX  Wells Fargo has debited/ withdraw XXXX $ of just overdraft with appr. XXXX $ being returned due to oversight or via request.

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 2025-10-07 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: TX

Complaint narrative:
This account was compromised and was supposed to be deleted off my credit report as agreed by the creditor

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 2025-10-07 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: TX

Complaint narrative:
This account was compromised and was supposed to be deleted off my credit report as agreed by the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX XXXX Account number : XXXX * Date Opened : XX/XX/XXXX Balance : {$81.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I have been paying off my XXXX loans since XXXX. Without providing any notification, my automatic withdrawals were stopped by Mohela in XX/XX/XXXX and I didnt notice until XXXX. When I reached out to them about this, they were unsure of why I was in placed in an administrative forbearance. I requested to be taken off of the administrative forbearance and was told that this could take up to 90 days. I called back as the 90 day window was coming to a close, and then was then told that it could take XXXX business days. All I want to do is pay my loans, especially as they count towards XXXX, but Mohela has made that incredibly difficult. They have told me that I will have the opportunity to buy back these payments, but I am concerned that they are not good for their word since they put me in forbearance without notification or explanation and their timeline has changed ( 90 days to XXXX BUSINESS days! ).

Company response to consumer: In progress
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The problem is with XXXX  and credit bureau. These foreigners that is running this credit bureau. Do not deserve to be running a United States of America, credit bureau. Please consider turning this over to the federal trade commission. President ask him to close the doors on XXXX  credit bureau. These XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is do not obey the law. They refuse to accept legal documents, especially from a court of law XXXX court. Has also come after XXXX XXXX XXXX XXXX due to violating a court order. I sent the same information that you have to experience credit bureau. This incident has been removed from my credit report. Like it is supposed to be removed TransUnion. Refused to accept the documents and the United States law They are violating the court order right along with these people, XXXX XXXX. Get this information over to TransUnion and enforce the law. Make them get this mess off of my credit report. TransUnion is the problem. I am currently working with XXXX. XXXX  has the same information that your agency have I am going to continue to work with XXXX. To have this false information removed if XXXX XXXX violated a court order. XXXX XXXX XXXX  should be in jail. Anybody else violates a court order would be imprisoned. TransUnion is the same close TransUnion. We do not need these foreigners on our credit reports. These people are impossible. TransUnion is just strictly impossible. They refuse to accept my court order. And it's a legitimate court order from a State of Ohio XXXX. To make court TransUnion, is the problem. Send it to the trans union immediately. Demand that these people come off. My credit report get in touch with experience, they know what to do. They respect the law and they have done what they should do. They have removed XXXX XXXX completely off of my credit report due to XXXX XXXX Violating a state of ohio court are thank you for contacting me

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 2025-10-07 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: MD

Complaint narrative:
I am submitting this complaint regarding multiple new late-open accounts appearing on my credit report, which I believe are inaccurate and misrepresent my payment history. These accounts include XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$870.00}, late 30 days XX/XX/year> *, and numerous accounts reported by EDFinancial ( XXXX * * * and related variations ) * with balances ranging from {$6.00} to {$5900.00}. Many of these accounts are either inaccurately reported, duplicate entries, or unverifiable, and their current reporting as late is causing significant harm to my credit standing and financial reputation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$870.00} Late 30 days XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$39.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$23.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} These inaccuracies violate FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to maintain maximum possible accuracy, FCRA 611 [ 15 U.S.C. 1681i ], which grants me the right to dispute inaccurate information and mandates a reasonable reinvestigation, and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], which prohibits furnishers from reporting information they know or should know is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this complaint regarding multiple new late-open accounts appearing on my credit report, which I believe are inaccurate and misrepresent my payment history. These accounts include XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$870.00}, late 30 days XX/XX/year> *, and numerous accounts reported by EDFinancial ( XXXX * * * and related variations ) * with balances ranging from {$6.00} to {$5900.00}. Many of these accounts are either inaccurately reported, duplicate entries, or unverifiable, and their current reporting as late is causing significant harm to my credit standing and financial reputation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$870.00} Late 30 days XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$39.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$23.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} These inaccuracies violate FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to maintain maximum possible accuracy, FCRA 611 [ 15 U.S.C. 1681i ], which grants me the right to dispute inaccurate information and mandates a reasonable reinvestigation, and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], which prohibits furnishers from reporting information they know or should know is inaccurate.

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 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
XXXX Bank of America credit card account ending in XXXX was abruptly closed on XX/XX/year>. I was told by a customer service XXXX on XX/XX/XXXX that the closure was for XXXX ' reasons ( high utilization/too many balances ) and that the decision was final and could not be appealed. 

The bank has refused to provide any path to reinstatement or an alternative that would preserve my long-standing credit history with this account. The only option offered was to re-apply for a new card, which would negatively impact my credit. 

I am requesting a formal review of this closure. My desired resolution is the reinstatement of my account. I am willing to discuss a reduced credit limit or other reasonable solutions.

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 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and reliable. I am requesting that these accounts be investigated, and if they can not be verified, they must be deleted from my report.

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 2025-10-07 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: LA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I state that the incorrect late payment entries on my accounts are in violation of 15 USC 1666. I have consistently paid on time, and any errors in this reporting are both unfair and unlawful.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to file my formal express my concerns with Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. despite using zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me. That recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB findings indicate that Zelle not only neglected to protect customers, but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about customers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The following tradeline is an inaccurate item on my credit report. 

Company or Organization : MIDLANDCRE Account Number : XXXXXXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$570.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have found late payment entries on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, all information included in my report must be accurate, complete, and verifiable. I am requesting that each of these late payments be verified, and if they can not be fully validated, they should be corrected or deleted.

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 2025-10-07 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the incorrect late payment remarks on my accounts represent a violation of 15 USC 1666. I have maintained a consistent record of on-time payments, and any inaccuracies in reporting are both improper and unlawful.

Company response to consumer: Closed with non-monetary relief