vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I am submitting this complaint that my XXXX account ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a late payment for XX/XX/year>, even though my records confirm that all payments were made on time. Accuracy in credit reporting is essential to maintaining my financial integrity and reputation. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute information I believe to be inaccurate, and I am exercising that right to request a correction of this account to reflect my true payment history.

It is also my understanding, under FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), that furnishers of credit information are required to promptly update and correct any inaccurate data. This duty reinforces my expectation that the reported late payment be investigated and corrected to accurately show my account as current.

Furthermore, the broader congressional intent of the FCRA, as outlined in FCRA 602 ( 15 U.S.C. 1681 ), emphasizes fairness, accuracy, and the protection of consumers from misleading credit reporting principles that support my request. Finally, under FCRA 609 ( 15 U.S.C. 1681g ), I have the right to review my credit information and ensure that every entry is correct, which motivates this 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 non-monetary relief
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Summary of the problem I have the XXXX XXXX XXXX XXXX, which is marketed by Bilt Rewards and issued by Wells Fargo Bank , N.A . 

The official Wells Fargo website lists a Trip Cancellation and Interruption Protection benefit as part of this cards travel protections : XXXX XXXX XXXX XXXX cancellation When I contacted XXXX, they told me to reach out to Wells Fargo , saying Wells Fargo manages the insurance benefits.

When I then contacted Wells Fargo, their representatives told me that no such benefit exists for XXXX cardholders. 

This leaves consumers stuck between two companieseach denying responsibility for a benefit that Wells Fargo publicly advertises on its own site. 

Why this is misleading The Wells Fargo Guide to Benefits explicitly includes Trip Cancellation and Interruption Protection. 
XXXX advertises the card using the Wells Fargo benefits package. 
XXXX XXXX customer-service agents deny the benefit exists, saying the XXXX XXXX is not eligible. 

A reasonable consumer would rely on the official Wells Fargo materials when deciding to use this card for travel purchases, so these conflicting statements are deceptive. 

Evidence : Official Wells Fargo webpage referencing the benefit : XXXX XXXX XXXX XXXX  cancellation

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 2025-11-08 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: PA

Complaint narrative:
This letter serves as a formal notice and demand for immediate action regarding a reinserted account that was previously deleted from my credit file following an investigation. I recently obtained a copy of my credit report and found that the account listed below has been reinserted without proper notice or verification, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Reinsertion for both Transunion and Equifax Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Over the past XXXX months, Bank of America charged me $ 12 monthly maintenance fees even when my account had a negative or near-zero balance. Their own Surplus / Shortfall 12-Month Monitor in the mobile banking app shows that I ran a total shortfall of {$370.00} during this period. Despite this clear record, the bank continued to take fees that deepened the deficit. 

I attempted to get information through the Bank of America mobile app and its virtual assistant, but the automated system only redirected me to the website and gave no way to contact a representative. 

This pattern shows that the bank was aware of my ongoing negative balance and still charged the same maintenance fee each month, effectively charging money I did not have. The psychological and financial effect is harmful and avoidable. I believe this practice is unfair and abusive, and Im asking the CFPB to review 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 2025-11-08 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app... It's soo messed up with all of it .. transaction after transaction them withholding my money in sponsor accounts then suspended my account just cuz I called to complain

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my notarized Affidavit of Identity Theft as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report or affidavit by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, including my notarized Affidavit of Identity Theft and supporting identification documents. Copies have also been sent to your agency via Certified Mail. 
In addition, I request the immediate removal of the following fraudulent accounts from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-08 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the date XX/XX/year> I deposited a check from my work place for a total of XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents. This was done through XXXX which I know as chase mobile deposit with no errors or alerts that the check could not be read. I then received an email saying my deposit was accepted, this is a process I have done with no problem weekly since Ive first opened my account with chase. Approximately XXXX days on the date XX/XX/year> I deposited another check from my work place that I also received an email of this check being accepted. Soon after I check my account to see that Chase withdrew around XXXX XXXX and XXXX dollars from my account with no alert or notification of doing so, leaving my account at negative XXXX XXXX and XXXX XXXX dollars. After all this In a state of confusion I contacted Chase customer service in which they told me this was all due to the first check I deposited on XX/XX/year> not being able to be read by the bank after I had no errors in depositing it on that exact date. This was followed up by the bank telling me to schedule an appointment at a local bank and to bring the check deposited on XX/XX/year> for XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents to solve the issue that they ( Chase ) were possibly at fault for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have reached out to Comenity Bank XXXX XXXX XXXX Account ending XXXX XXXXXXXX Balance {$1800.00} Reported as Charge-Off, multiple times in XXXX and XXXX to dispute this account as a result of identity theft. I provided all supporting documentation, including a police report, an FTC Identity Theft ( FCRA ) report, my Social Security card, drivers license, and a utility bill to verify my identity. These documents were sent via certified mail on XXXX separate occasions. In addition, I have called Comenity Bank several times, and each time I was provided with different names and addresses associated with the account, confirming that this account does not belong to me. Despite this, the account remains unresolved and continues to be reported inaccurately under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

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 2025-11-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-11-08 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: IN

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint regarding inaccurate and unverifiable information appearing on my credit reports with Equifax, Experian, and TransUnion. I am requesting a full investigation and deletion of any items that can not be 100 % verified in compliance with the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). 

I have reviewed my credit reports and found multiple accounts, inquiries, and/or negative items that appear outdated, incomplete, or unverifiable. According to the FCRA, all reporting agencies must ensure that consumer information is accurate and verifiable. If the bureaus are unable to verify the accuracy of the items in question, they are required by law to delete them immediately. 

I respectfully request that the CFPB ensure that each credit bureau : 1. Conducts a full investigation of my credit file.

2. Deletes any and all inaccurate, unverifiable, or outdated information.

3. Provides me with written confirmation of the results and an updated credit report. 

My goal is to ensure that my credit reports are fully accurate, fair, and compliant with federal law. Thank you for your assistance and oversight in this matter. 

Sincerely, [ XXXX XXXX XXXX ] Date of Birth : XX/XX/year> Last XXXX of XXXX : XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-11-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-08 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: FL

Complaint narrative:
I am submitting this complaint because I recently discovered a discrepancy on my credit report that does not accurately reflect my payment history. Specifically, the account with XXXX ( Account XXXX. XXXXXXXX XXXX ), with a balance of {$430.00}, is reported as 30 days late in XX/XX/year> and 60 days late in XX/XX/year>, which conflicts with my records. These reported late payments XX/XX/year> ( 30 days late ) and XX/XX/year> ( 60 days late ) do not accurately represent my account activity and require correction. 
I take my financial obligations seriously and have always made timely efforts to maintain my accounts in good standing. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe to be inaccurate or incomplete. I am formally exercising that right and requesting a thorough investigation of this late payment reporting. 
Furthermore, pursuant to FCRA 623 ( a ) ( 2 ), furnishers of credit information are required to promptly update and correct any information found to be inaccurate. In addition, FCRA 623 ( b ) obligates the creditor to conduct a reasonable investigation into any dispute I submit. The reporting of these late payments, if inaccurate, could unjustly impact my creditworthiness, potentially affecting my ability to secure credit on fair terms. 
I kindly request that your office review the supporting documents I am providing, including my payment history and statements for XXXX and XX/XX/year>. I am confident that a review will confirm that the reported late status does not accurately reflect my account activity. As reinforced by FCRA 602, which emphasizes the congressional purpose of ensuring consumer reporting is fair and accurate,

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