vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd

Complaint narrative:
I am filing a complaint against Wise ( formerly TransferWise ) regarding the sudden and unexplained closure of my accounts. 

On XX/XX/year>2025, I received notification that all of my accounts with Wise which include a personal account and two associated business accounts were being closed. No clear reason for this closure was provided in the communication.

Upon receiving the closure notification, I attempted to utilize the appeal process provided by Wise. However, upon clicking the designated appeal link, the appeal was instantly rejected without any apparent review or opportunity to provide further information or context.

I have held accounts with Wise for approximately four years and have used them for legitimate financial activities, including receiving business revenue from customers and payment processors, paying business expenses and contractors, and managing personal finances. The accounts have handled a significant volume of transactions over this period.

Previously, I have fully cooperated with Wise 's requests for documentation and information. I have attempted to understand potential reasons for the closure and provided relevant information regarding my business structure and income reporting, even though Wise has not explicitly linked these to the closure decision.

The accounts were closed without a clear explanation, and the provided appeal process was ineffective, resulting in an immediate rejection. This lack of transparency and due process in the account closure is the basis of this complaint.

* * Include dates, amounts, and actions that were taken by you or the company : * * - * * Date of Account Closure Notification : * * XX/XX/year>. 
- * * Period Accounts Held : * * Approximately 4 years prior to closure.

- * * Amount ( Approximate Volume ) : * * Over {$10.00} XXXX in total transaction volume has moved through these accounts during the period of use. 
- My Actions : - Used personal and business accounts for legitimate financial transactions. 
- Provided documentation to Wise when previously requested. 
- Attempted to appeal the closure decision immediately upon receiving the notification on XX/XX/scrub>, 2025. 
- Company 's Actions ( Wise ) : - Closed multiple accounts ( one personal, two business ) on XX/XX/year>2025. 
- Did not provide a clear reason for the account closure. 
- Instantly rejected the appeal upon my attempt to initiate it via the provided link.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NJ

Complaint narrative:
My TransUnion credit report shows multiple unauthorized inquiries made without my consent, which have negatively impacted my credit score. I previously reached out to TransUnion and was assured that these fraudulent inquiries would be removed ; however, they are still present. This situation raises serious concerns about identity theft and has added considerable stress and harm to my financial stability. I expect immediate removal of these inquiries and a clear explanation of the delay in resolution.

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 2025-05-16 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-16 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: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NM

Complaint narrative:
This CFPB complaint is submitted in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) and formally requests that the Experian credit reporting agency block the following fraudulent accounts from my consumer credit report within four business days : An auto loan account with XXXX XXXX opened on XX/XX/XXXX A collection account with XXXX XXXX opened on XX/XX/XXXX A collection account with XXXX XXXX opened on XX/XX/XXXX A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX These accounts were not opened or authorized by me and are the result of identity theft. I have included a copy of my consumer FICO credit report showing these entries, along with an FTC Identity Theft Report # ( private case number ) as evidence.

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 2025-05-16 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX BALANCED {$13000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$1000.00} XXXX XXXX XXXXXXXX BALANCED {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$500.00} XXXX XXXXXXXX BALANCED {$3200.00} XXXX - XX/XX/year>XXXX XXXX XXXX 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/year> These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX BALANCED {$13000.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$1000.00} XXXX XXXX XXXXXXXX BALANCED {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$500.00} XXXX XXXXXXXX BALANCED {$3200.00} XXXX - XX/XX/year>XXXX XXXX XXXX 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/year> These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Violating the fair debt collection act using abusive and deceptive collection tactics of a debt that I don't own. 

Breach of contract Negligent to properly inform or didn't disclose pertinent information prior to and after the closing process. 

Fraudulent activity and coercion during closing process. 

Violating the truth in leading act.

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 2025-05-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am demanding the immediate removal of these fraudulent inquiries from my credit report. Their continued presence is unacceptable and damaging to my financial standing. As a victim of identity theft, I insist that my credit report reflect only accurate and authorized information. Prompt corrective action is required without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I opened a credit card account with capital one in XXXX of XXXX. The credit card was all paperless, however when i tried to set up my online account I was unable to do so, as the system had an old phone number of mine that i had not had in over a year. After many phone calls I have been unable to get the phone number corrected because they refuse to change it without some insane process of me taking a selfie with my drivers license and sending that in. They did not require my picture and license to open the account, my application had the correct phone number on it, yet they are unable to pull up the application and correct the phone number that way. This is a case of the company not allowing me to create the my online account so i can review the statements, they constantly insinuate that i am trying to change my phone number when i am trying to get them to correct their mistake and while refusing to do so are harming my credit, while sending me emails that they wish to help me correct the problem. I have the {$300.00} I spent put away to pay what I charged once they correct the error. However i do not feel i should be charged the late fees and interest since they have violated their end of the contract by not helping to correct the error one any of the many calls i have made to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-16 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: NY

Complaint narrative:
I am a victim of identity theft and have discovered unauthorized accounts and/or inquiries on my credit report that I did not open, authorize, or have any involvement with. I have no knowledge of these accounts or transactions, and they were opened without my consent. These fraudulent items are negatively impacting my credit profile. I am formally requesting that these accounts and inquiries be permanently removed from my credit report as they are the result of identity theft. I have taken the necessary steps by filing an identity theft report and notifying the appropriate credit bureaus. Immediate action is requested to resolve this matter and restore the accuracy of my credit 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this formal complaint regarding an account reported by XXXX XXXX XXXX to Equifax. The account, originally assigned on XX/XX/year> with an original balance of {$3000.00}, has been paid off and removed from my TransUnion and Experian credit reports. However, Equifax continues to report this account, despite the fact that it is resolved and no longer legally collectible. 

I would like to make it clear that this debt is past the statute of limitations for collection and reporting in my state ( South Carolina ). Therefore, continued reporting by Equifax and XXXX XXXX XXXX is unlawful, violating the Fair Credit Reporting Act ( FCRA ) and state consumer protection laws. 

The account comments falsely imply unresolved dispute activity, despite indicating that the dispute was previously resolved and the account paid for less than the full balance. This misleading and outdated reporting harms my creditworthiness and denies me fair access to housing, employment, and financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CO

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am disputing the inaccurate late payment reporting for the DEPT OF ED/XXXX account ( XXXX ) with a balance of {$25000.00}, which appears across all three major credit bureaus. This erroneous reporting has significantly impacted my credit profile, leading to unfair financial hardships. Given the substantial amount involved, the presence of this late payment on my credit report has drastically lowered my credit score, increased my interest rates, and made it challenging to secure favorable financial opportunities, despite my ongoing efforts to responsibly manage my financial obligations. Under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666 and 1666 ( b ), creditors are required to accurately report payment histories, ensuring that consumers are not unjustly penalized for errors in reporting. This oversight has placed me under immense financial pressure, adding unnecessary stress and XXXX  to my daily life as I struggle to rebuild my credit. It is deeply concerning that these inaccuracies have been allowed to persist, reflecting a broader failure in data management and potentially indicating lapses in account verification processes, which could result from inadequate data handling or breaches, putting my financial stability at further risk.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief