vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted a legal name change request to Wells Fargo on XX/XX/2025, at the XXXX XXXX, CA branch. I provided all the required documents at that time : my marriage certificate, current ID, and a form requesting a legal name change. I was told this was all that was needed. 

Weeks passed with no communication or confirmation. I never received a replacement card with my new name. When I contacted customer service, my issue was escalated to the XXXX Department. On XX/XX/XXXX, I received a secure message requesting a name change form with my signature even though I had already submitted all required documents. 

I called again and was told that my marriage certificate and ID had been received, but now they were waiting on a signed form. I requested the form be mailed to me but never received it. I finally emailed the completed and signed form on XX/XX/2025, at XXXX PM XXXX but received no confirmation or response. 

On XX/XX/2025, I called again to check on the status. Still no update, and instead of resolving the issue, a new case was created for the same ongoing problem. This issue has been mishandled and unnecessarily dragged out for XXXX full months. My original complaint was even marked as closed with no resolution. 

What makes this even more confusing is that I am also an authorized user on my husbands Wells Fargo account, and my name was updated quickly and without any issues on that account using the exact same documents. That process was smooth and professional, proving that Wells Fargo can handle name changes efficiently, yet my individual account has been subjected to repeated delays, poor communication, and internal mismanagement. 

I am extremely frustrated by the complete lack of communication, repeated delays, and the internal disorganization at Wells Fargo. This issue could have been resolved in days instead, Ive had to chase answers for XXXX months for a simple name change and replacement card. 

This is a straightforward name change due to marriage something that should be a joyful and simple part of starting this new chapter. Instead, its turned into a frustrating, XXXX-XXXX-long ordeal that still remains unresolved. I am asking the CFPB to intervene and help ensure this issue is resolved immediately.

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 2025-05-13 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2025-05-13 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am filing a formal complaint regarding Chase Banks handling of unauthorized transactions on my Chase Business Credit Card ending in XXXX. Between XXXX XXXX XXXX, more than {$18000.00} in fraudulent charges were made to my card while I was hospitalized and medically incapacitated. 

I submitted multiple disputes, including a sworn FTC Identity Theft Report ( # XXXX ) and medical documentation showing I was hospitalized at XXXX XXXX from XXXX XXXX XXXX  without access to my phone, wallet, or credit card. Despite this overwhelming evidence, Chase closed my dispute unfavorably, continues to bill me, and has not provided documentation supporting their conclusion that I authorized the charges. 

This conduct violates my rights under : Fair Credit Billing Act ( 15 U.S.C. 1666 ) : which requires a good-faith investigation and prohibits billing for unauthorized charges, Truth in Lending Act ( 15 U.S.C. 1643 ) : which limits my liability to {$50.00} for unauthorized use, and Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) : which requires banks to block reporting of fraudulent charges when an identity theft report is submitted.

I have attached supporting documentation to this complaint, including : A detailed timeline of the disputed charges, The FTC Identity Theft Report, Hospital records and policy, confirming my incapacity and lack of control over my personal belongings during the time of the fraudulent activity, Written correspondence with Chase summarizing the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion, I am unable to access my credit report from transunion. I am unable to lock, freeze and secure my report. This negligence as allow attempts from fraud to have access to my file.

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 2025-05-13 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: NV

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-13 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: NV

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
XX/XX/XXXX : I contacted Robinhood Support. They told me my account was hacked and that I needed to download a screenshare/control app for them to see what is going on with my account. As they were screen controlling, they made two transactions to two debit cards in the amounts of {$8000.00} and {$7000.00}. I didn't understand what was going on until it was too late and when I went back to check the money was gone. 

I immediately I requested a call back, chatted with Robinhood Support, and emailed them. They transferred my call and was on hold for over an hour and they failed to call me back that day. 

XX/XX/XXXX : They finally called me back and said they would conduct an investigation into my account.

Very soon, they emailed me back using a noreply email saying that they can't refund my money. Their reasoning was " Based on the results of our investigation, you fell victim to a scam. Therefore, were not able to restore any losses of assets that might have occurred. '' However, unauthorized scams should fall under Regulation E protections. I sent another email using Robinhood generic support email to dispute the resolution and thus filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD, XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, Subject : Dispute of Unauthorized Hard Inquiries Due to Identity Theft FCRA 604 & 611 I am writing to formally dispute a series of unauthorized hard inquiries that have appeared on my credit report. These inquiries were not initiated or authorized by me. I suspect they are the result of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), Sections 604 and 611, I am requesting that these inquiries be investigated and removed from my credit file immediately.

Under FCRA 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the consumers permission. I did not authorize the inquiries listed below, and therefore they violate this statute. In addition, per FCRA 611, I have the right to dispute any information on my credit report I believe is incorrect or the result of fraud. 

List of Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am attaching my FTC Identity Theft Report, as well as a copy of my government-issued ID and my bank statement as proof of identity and residence. I ask that you investigate and remove these unauthorized inquiries in compliance with the FCRA.

Please confirm in writing once the inquiries have been removed. If any further information is needed, do not hesitate to contact me at the information provided above. 

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 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I received a notice from collection company Credence Resource Management saying they were collecting for XXXX XXXX XXXX so I submitted a dispute to them. They came back requesting my personal information which I as uncomfortable providing to a company I've never done business with. The account then appeared on my credit report and I submitted a complaint to the XXXX XXXX XXXX requesting a copy of the original contract with my signature. Credence stated they didn't have the contract because we've never done business. The only thing they provided was a copy of a bill which I responded to them, anyone can put a name on a bill but it would be illegal to put my signature on a document. I'm sure this is in violation of the Fair Credit Reporting Act because they could not provide the requested documentation but proceeded to report the account to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-05-13 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: TN

Complaint narrative:
I am submitting a complaint to dispute certain credit inquiries that appear on my credit report, which I believe to be either unauthorized or inaccurate. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-05-13 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: Experian Information Solutions Inc.
State: TX

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 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I DONT HAVE THE DATES THIS WAS IDENTITY THEFT PLEASE REMOVE

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 2025-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank has held my {$10000.00} 'hostage ' for a couple of weeks now and they claim they are investigating my account ( per feedback from several agents, a ticket was created on XX/XX/year> ). Not one agent has told me exactly why they are investigating and say they aren't told why a hold is put on account. They have restricted my access to even log in. I asked them when will I be able to access my account so that I can withdraw my money and close my account and every agent keeps telling me 2 to 3 days because the back office is working on it/ investigating it. They have no additional information. My latest contact was today, XX/XX/year> and got the same explanation, including it can take up to 60 days to close. I would just like to get my money and close my account because I am no longer going to bank with Synchrony. This money is being used for my children 's college fund and I can't even access 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I moved homes in XX/XX/XXXX and no longer needed XXXX XXXX XXXX XXXX. I cancelled my account. I found out in XXXX of XXXX that l was still being charged, I called and atter a long conversation, they apologized, cancelled the account and promised to refund. They did not do this and continued to charge me and send me bills. I used the XXXXXXXX XXXX XXXX customer service chat on XX/XX/XXXX and have a screenshot of them saying they will reverse the payment and drop the bill. They did not do this. I chatted again on XX/XX/XXXX because they still hadn't taken the charge off my bill. I also have some screenshots from this conversation. They did not help me during this conversation. XXXX years later on XX/XX/XXXX, i get reported to a collections agency because they say I didn't pay the {$54.00} from that XXXX XXXX XXXX bill they promised to refund. I spent over XXXX hours in support with them, got multiple promises to get refunded, and instead, my credit is knocked down XXXX points years later. They say the debt is from XXXX of XXXX. I didnt not have an XXXX XXXX XXXX account in XXXX of XXXX. 

I called Credence Resource Management and offered to share my proof that i didnt have this account in XXXX of XXXX and proof that they said my account was cancelled in XXXX of XXXX. I asked for a letter of deletion of this debt. They said no and that I needed to pay, and theyd delete it afterwards. I asked them if I could get their proceses in writing, so I know that the deletion would come if I paid, they said no and insist I trust them. I asked multiple times to get the deletion they promised in writing, and they refused.

Company response to consumer: Closed with non-monetary relief