vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
Account National Credit Systems # XXXX I'm 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 displaying my signature. If not, please delete account # XXXX 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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
As a global bank, Wells Fargo does not know how to send a global wire. My money is still lost after the wire was sent over 2 weeks ago. No updates. 
XXXX. On Sunday XX/XX/XXXX : I scheduled a wire transfer of {$5000.00} to my nieces checking account at XXXXXXXX XXXX XXXX 
XXXX. On Tuesday XX/XX/XXXX, the wire was sent according to the notes in the system. No email notification. XXXX or XXXX would have sent an email confirmation. 
XXXX. I called Wells Fargo multiple times and was told to wait until XXXX. 
XXXX. Thursday XXXX : XXXX later, the wire still hasnt been received. I called to request an investigation and filed a complaint. 
XXXX. Friday XXXX : I called and was told the specialist assigned to my case was out. No way to reassign the case. The representative had no manager and couldnt escalate further. I have to wait for XXXX for the investigation. 
XXXX. Monday XXXX : I called CEO office ( number from XXXX ) and reached his assistant. Suggested she would escalate for me. 
XXXX. Monday XXXX : XXXX XXXX called and told me my case has been reassigned to him. He will call once he has an update. 
XXXX. Tuesday XX/XX/XXXX : I called XXXX. No update. He hinted that I was responsible because I initiated the wire transfer online. He also said he should get back within 48 hours. 
XXXX. Wednesday XX/XX/XXXX : I called and emailed XXXX XXXX, and of course, no response, even though it has been 48 hours since he was assigned to my case.

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 2025-06-11 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: OH

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX 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 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 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 2025-06-11 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:
Recently I checked my credit report and noticed fraudulent accounts that are hurting my ability to obtain credit.

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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing this complaint in response to Capital Ones denial of fraud claim # XXXX. 

This concerns a {$12000.00} fraud loss from transactions processed through my Capital One debit card, which was linked to my XXXX account. 

I filed a fraud claim with Capital One immediately after discovering I had been scammed. A provisional credit was issued while the investigation was pending. However, I was never asked to submit documentation or provide any written account of the fraud. I proactively followed up by phone and explained that I had been scammed by a serial fraudster posing as a fellow educator. During that second call, I asked if I should file a police report, they confirmed I should. I submitted the report immediately. 

Soon after submitting the police report, my claim was denied, without any clear explanation, acknowledgment of the evidence, or indication that a proper investigation was ever conducted.

Capital Ones denial was based on the claim that I authorized the transactions. However, this reflects a misapplication of the Electronic Fund Transfer Act ( EFTA ) under 12 CFR 1005.2 ( m ). While I did initiate the transfers, I did so under fraudulent pretenses. Consent obtained through deception does not constitute authorization under Regulation E. This is a foundational principle of consumer protection law. 

Capital Ones rationale appears to be based on XXXX internal policy, which inaccurately states that any user-initiated transaction is not fraud. That is legally incorrect. Capital One, as the regulated financial institution, is bound by federal law, not XXXX terms of service. 

Capital One failed to : Conduct a reasonable investigation, Consider the documentation and police report I submitted, Acknowledge that deceptive inducement nullifies authorization under EFTA. 

Further, XXXX directly stated in their response to the CFPB that they have no control over the outcome of the chargeback, placing full responsibility with Capital One. This confirms that Capital One alone is responsible for resolving this fraud claim in accordance with federal consumer protection regulations. 

I am requesting : Full reimbursement of the {$12000.00} lost to this fraud, A written explanation of how Capital One believes their decision complies with Regulation E, A review of XXXX XXXX fraud policies, particularly in cases involving peer-to-peer payment platforms like XXXX. 

I am a victim of fraud, not a customer in a billing dispute. I followed all required steps and provided documentation promptly. Capital Ones mishandling of this case has left me with no resolution and no justice. 

To support this complaint, I am re-attaching all relevant evidence, including : My police report, Text communications with the scammer, XXXX statement assigning responsibility to Capital One, Screenshots and transaction records documenting the fraud is not an isolated instance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX XXXX XXXX atm card ending in XXXX was declined at the atm when I tried to withdraw funds. I called customer service and was directed to a fraud prevention team department that informed me that my debit card was placed on hold for 24/48hrs but I was still able to use the funds that were in my account because it was only my atm/debit card that was restricted. However, that has not been the case at all. Its now XXXX XXXX and Ive been calling to get an update to see if theres been any resolution ans there hasnt been. Everytime I call they tell me that because of the type of hold thats on my account that I need to wait the allotted time that was given to me for the restriction, but Citibank is not adhering to their own rules, policies, and regulations when it comes to making sure the customers account is handled properly. Today I called in and spoke to a manager and was unfortunately told the same thing about waiting XX/XX/year> business hours when its been 7business days to be exact. I cant use my funds that are in the account either as I was told on several occasions that I would be.Rhe review department that is supposed to handle my account is unreachable even by Citibank representatives. They can only send a email to try and expedite the review which theyve been emailing them for 7days now. Theyre holding my funds and is not giving me a valid resolution. Citibank is violating my rights as a consumer and is not adhering to its own policies, rules and regulations

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am trying to figure out who is accountable for report that was filed falsely. I tried figuring things out with XXXX XXXX, whom they said they have nothing else to do with this matter. Is this an Experian issue? All other Bureaus do not show a Charge off, other than Experian. I must have this removed, as it is stating 30 and 60 day late payment. There was never anything late. You can pay something late that is a {$0.00} balance. Please have them make this correction as this is getting really frustrating to see this on 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 explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I filed a complaint with Cash App about unauthorized charges to my account. Upon cash app notification my account was closed because they said i violated there terms of service agreement. When in fact that my account was hacked by foreign countries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file.

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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 two 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 : 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

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I deposited a large check via ATM on XX/XX/XXXX. {$27000.00} required a deposit at an ATM, not via mobile. The ATM deposit slip stated the funds would be available XX/XX/XXXX. 

Instead, Wells Fargo placed an un-communicated hold. I contacted the bank and was passed between at least XXXX employees, all of whom deflected responsibility. 

I visited the XXXX XXXX in person, XXXX XXXX XXXX. She stated, " I promise you we'll take care of this today. '' Later in the day she told me she was going on vacation tomorrow, hadn't resolved this, and would ask her colleague, XXXX XXXX to take care of it. 

I spoke to XXXX XXXX the next day asking for a status. In the span of XXXX minutes she stated : XXXX ) I did not call because I was told your customer would call me ( I was in person for the conversation and that was not the expectation that was set ). I have other customers at the bank I need to help. 
XXXX ) I did call them but they weren't there ( I had just spoken to the customer who stated they had not heard from Wells Fargo yet ) XXXX ) I called multiple times and they were not there. ( Did not leave a voicemail. This information is contrary to what my customer told me ) My customer agreed to verify the check by phone, but Wells Fargo failed to follow up, lied about making calls ( I spoke to my customer who issued the check and they claimed no one had called them ), and then told to call back when the branch manager is back from vacation.

In a follow up call to corporate I was given further incongruent information and more " I am not the right person to help you ''. I was told, " well, next time get a wire transfer ''. 

No one is prepared to help. A bank, for whom one expects total honest and integrity, is changing stories, passing the buck, and unwilling to provide a way forward.

Im now facing multiple chargebacks and fees because Wells Fargo has not completed a simple verification call. I am also without the {$27000.00} I was expecting. I am requesting immediate action and reimbursement of related charges.

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 2025-06-11 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: WI

Complaint narrative:
In XX/XX/2025, I submitted a written dispute to TransUnion via certified mail regarding inaccurate and unverifiable information appearing on my credit report. I followed the proper dispute process as outlined under the Fair Credit Reporting Act ( FCRA ) 611, and clearly outlined the inaccuracies in the accounts in question.

TransUnion responded stating the accounts were verified, but failed to provide the method of verification, did not disclose which furnishers verified the data, and did not supply any documentation supporting their verification. This is a direct violation of FCRA 611 ( a ) ( 7 ), which requires the credit bureau to provide the method of verification when requested by the consumer.

I submitted a follow-up request for the method of verification and have not received a meaningful response or proper documentation. This constitutes a failure to properly investigate and reinvestigate the dispute as required by FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ).

The accounts in question are still reporting inaccurately and are negatively impacting my credit profile. TransUnion is continuing to report these accounts without substantiating their accuracy, and without correcting or removing the information that I have disputed with supporting documentation. These actions violate my rights under the FCRA, and I am requesting that the Consumer Financial Protection Bureau investigate this matter.

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I deposited an insurance check for {$17000.00} that I received after a car accident. The deposit was put on hold and the hold was extended XXXX  times without notice. The hold has already lasted for XXXX  days and the bank is saying they want to hold the funds for an additional XXXX  days. I deposited the check on XX/XX/year> and the bank wants to hold the funds until XX/XX/year>. I called the company each day the check was supposed to be made available only to find out the hold was extended further. When I deposited, it said the funds would be available the next day. The next day, they were not available and I was told the funds would be available on XX/XX/XXXX. When the funds werent available on XX/XX/XXXX, I called again and was told the funds would be available XX/XX/XXXX. When the funds werent available on XX/XX/XXXX, I called again and was told the funds would be available XX/XX/XXXX. I have confirmed with the check issuing company that the funds have already been cleared and they can not stop payment because the depositing bank is already in receipt of the funds and has been for some time now, but still wont release them to me.

Company response to consumer: Closed with explanation