vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint against Wells Fargo Bank for denying my fraud dispute Dispute ID XXXX for {$6000.00}. The denial was improper and inconsistent with Regulation E ( 12 CFR 1005.11 ) obligations.

I reported the fraud immediately after discovering that the merchant ( XXXX XXXX ) was fraudulent and had ceased all communication. Wells Fargo incorrectly claimed I filed late, mischaracterizing the three-month period of scam activity as a reporting delay. 
I provided documentation ( XXXX  communications showing promises of business funding, followed by disappearance of the entity ). The merchant no longer exists, which itself is proof of fraud. 
Wells Fargo failed to provide a callback as promised ( for claims over {$5000.00} ) and denied the case without proper investigation. 
A nearly identical fraud case ( {$4000.00} ) on my XXXX XXXX card was approved and refunded promptly, demonstrating inconsistent treatment.

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 2025-10-08 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-10-08 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX of XXXX  I submitted my account and routing number with Chase Bank to the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. In XXXX and XXXX I received several charges and continued to today receive unauthorized charges on my bank account. I have attempted several times to get their claims department to acknowledge I'm a victim of identity theft thru the XXXX XXXX where I supplied my account information. They refuse to accept my FTC report verification of the crimes committed by the county workers and return all of money. I continue to have XXXX and XXXX charges, had my phone shut off yesterday, they claim their debit card has overdraft coverage for account to which it does not. I have been thru a lot and continuing to not receive my money back or get stop payments issued to these companies. Please Help!! I've also told them in claims of all of this and am accused of lying!! Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was contacted by a recruiter for an online part time job verifying star ratings on other persons purchases. I am a contractor is what I was told. I signed up and was put into the system on a XXXX XXXX XXXX. I was placed into the Internship-level and had to have a balance of {$100.00} to work. Work consists of XXXX items that needed a XXXX star rating. Upon completion, I had to do a second set of XXXX for a day of work. Money in there was in crypto. After completing XXXX sets, I was required to remove and then had to replace the start up money. I was also told that every once in a while I would get a premium item and the commission could be more than the money I had in my account. This required me to add money in crypto to complete the set. I completed 3 days and had to add over {$3000.00} more as my commission were going up over the {$100.00} I had in the account. On the XXXX day, I got XXXX of the premium commissions requiring an additional {$7000.00}. However, on XXXX items when I click the XXXX star rating the computer didn't accept it. I did not know this and when I tried to remove my money of {$15000.00}, I was told my credit rating dropped from XXXX to XXXX and the only way I could get my money out was to pay {$20000.00} ( XXXX points at {$50.00} each ) which I don't have. I was never notified of this penalty at any time until it happened. 

My first trainer was XXXX @ XXXX from XXXX but now a XXXX @ XXXX is the trainer. She has been badgering me for $ XXXX which I do not have to pull this money out or they will keep the money and give my spot away. Just 2 days ago she stated that her supervisor said it was $ XXXX that I could provide and pull the money out. I told XXXX that I would do it today but now she said it was $ XXXX. I confirmed it with her and she said yes I would get restored so I can withdraw the money they owe me but when the XXXX company said I had to wait XXXX hours the cost went up to $ XXXX again but she would help me with $ XXXX. I don't have that. 

I have all the texts from both of them. I asked her to ask a supervisor to help and she has refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ARS National Services, Inc.
State: PA

Complaint narrative:
Unsure of dates Balance {$810.00} I am sending out a validation lit letter since I have never heard of this company nor have I been aware of this debt and I will be attaching the letter here on this forum.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My phone was stolen earlier this year in end of XXXX. ( For more information my phone did not have a password so it was easily opened. ) I took precautions with making new passwords and signing out of mostly important accounts etc However I forgot to sign out from XXXX application known as XXXX  and unfortunately this was my downfall. Around XXXX XXXX I was mourning a family member and left the country to bury them. ( I had purchased and new phone and thought all my accounts were safe because I changed majority of my passwords etc. ) in this country called XXXX I was not allowed to text or call or even sign into my bank account because of location restrictions. When I came back at around 15 days later my account was emptied out ( which was XXXX $ and I never even got any form of message warning me about the money being taken from my account ) I spoke directly to XXXX  to see what happened and spoke to citizens and requested the locking of my card and got a new one and also deleted my XXXX  account. I opened a dispute with citizens and after months of back and forth I am forced to submit a complaint. They did not give me any reason for declining my claim other than it matches my spending pattern which is an obvious lie because I have never spent XXXX $ in the span of XXXX days its just a crazy amount. From XXXX all the way until XXXX it was an endless back and forth until they told me I need a police report which I had wished they told me at the start because if they did I would have instantly went. Now I am in the process of trying to submit XXXX but wanted to submit this complaint first.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CBC Companies, Inc.
State: WI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: DISCOVER BANK
State: SC

Complaint narrative:
I became incarcerated in XXXX. This doesn't belong to myself i have explained to the company, and asked for validation of this debt. They have sent statements which does not indicate it belongs to me. I have sent proof i was incarcerated, the location all information needed. i sent XXXX letters for validation of this debt the company in returns sends a bill summary. that is not validation. XX/XX/XXXX This is not a XXXX party complaint XXXX XXXX XXXX AM REQUESTING THIS INFORMATION FOR THE FOURTH TIME. 
I would like this issues resolved. I requested again on XX/XX/XXXX Your company removed the inquiry and said it was deemed it fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Dear XXXX XXXX XXXX I am writing in response to a notice I received from your agency dated XX/XX/year>, concerning the alleged debt listed for the amount of {$860.00}. Under the rights granted to me by the Fair Debt Collection Practices Act ( FDCPA ) and any relevant state laws, I am requesting validation and verification of the debt, as well as the following specific documents : Proof of the Debt : Please provide me with the original creditor 's name, the amount of the original debt, and the full payment history, documenting the amount you claim I owe. Authorization to Collect : Confirm that your agency is licensed to collect debts in my state of residence and provide me with your license numbers and Registered Agent. Chain of Assignment : I request that you provide me with the documentation evidencing the chain of assignment from the original creditor to your agency, proving the legality of your right to collect this debt from me. Copy of the Original Contract : Please provide a copy of any original signed agreement or contract pertaining to this debt, if applicable. Please cease all collection activities until the requested information has been provided and validated. If you fail to provide the validations and documentation as requested, I expect you to cease collection attempts and remove this account from my credit report. Thank you for your cooperation. I look forward to your prompt response. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: LA

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, duplicate employer entries, and outdated addresses. These errors violate the FCRA ( XXXX ( b ), XXXX ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I closed my checking account with Truist about XXXX weeks ago and they told me my only option was to have my remaining balance sent me. So yesterday on XX/XX/XXXX, I received it in the mail and then on XX/XX/XXXX I called them to try to get my check re-issued and they sent me to the supervisor. Her name is XXXX and she emailed the department XXXX XXXX XXXX. She Called me back later on in the day around XXXX XXXX  and i missed the call. Then I called back spoke to another supervisor and she told me that there was no way they would re-issue me a check unless I sent them the damage check through the mail and they will not compensate me for doing that either. no I offered sending them a photo of it or doing it willh like compensated promise. But they refused

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 2025-10-08 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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 2025-10-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-08 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: CBC Companies, Inc.
State: FL

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

Company response to consumer: Closed with non-monetary relief