vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/XXXX - I moved some money from savings to checkings bringing my total below {$300.00} in my savings account for WellsFargo. 

This was below the minimum required amount. There were several ways to avoid services fees however from ( minimum daily balance, daily transfer from checking account, monthly transfer from checking, etc ). 

I see on my statements from this time the following : " The fee is waived this fee period because the account is linked to your eligible checking account. '' I took that as, I wouldn't receive fees because I have a checking account that meets the required criteria. This was true for several years. 

XX/XX/XXXX - Wells Fargo unprompted changed my account from a college checking to " Everyday checking ''. This somehow changed my account so my checking account no longer counted as eligible account so my savings started getting charged a monthly {$5.00} fee for not meeting the minimum {$300.00} limit. 

My statement from WellsFargo statement included " The monthly service fee waiver on this savings account linked to your College Checking account was discontinued as of XX/XX/XXXX, when your College Checking account was updated to Everyday Checking. See the XXXX XXXX XXXX XXXX section on your statement for additional details on how to avoid the monthly service fee on your savings account. '' But as this was generally an unused account where I wasn't spending from, I was not reading monthly statements. 

I have been charged a monthly {$5.00} until today where I realized my savings account dipped below {$0.00} from the monthly fees. 

Wells Fargo refunded 2 months of fees, but refused to refund the rest of the 22 months of {$5.00} fees totaling {$110.00}. 

XX/XX/XXXX After the refund occurred I had also moved in enough money to bring me above the threshold, but was again charged another {$5.00} fee on XX/XX/XXXX since I didn't meet the minimum {$300.00} for every day of that period. 

They cited they notified me since it was mentioned in my monthly statement, but as the account was unused I do not look at my monthly statements. Wells Fargo should clearly notify their customers in a separate method of communication instead of hiding it in a monthly statement which generally provides balance information. 

I was also not being charged for several years with the same account balance pointing to an eligible linked checking I believed I still had. 

If I had just been charged as soon as I went below a certain amount instead of years later, it would have been much easier to identify instead of going on in the background for 2 years.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-19 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-19 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Approximately on XXXX XXXX, I contacted Wells Fargo to request that my overdraft fees be waived and I was told that I was eligible to have them removed after XX/XX/2025. At the time I had XXXX stemming from a XXXX week period prior. I called Wells Fargo back the following week and the rep only waived XXXX and when I mentioned that the prior rep told me that they'd all be waived, I just had to call back after XX/XX/XXXX, I requested to speak to a supervisor. The supervisor said they would request to have the conversation with the prior rep reviewed and nothing ever came about 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 2025-08-19 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: IL

Complaint narrative:
I am seeking your help to remove unauthorized accounts listed on my credit report. I never opened or authorized them, and I was not notified of their inclusion. Pursuant to USC 1681g, I request they be removed within 15 days. Enclosed are supporting files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> EXP XXXX XXXX XX/XX/year> EXP 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
As a life long customer of Chase bank ( from when you were known as Manufacturers XXXX ), I am abysmally disappointed in the way your banking business is presently handling customer care. 

My brother passed away almost XXXX  years, and it has been one roadblock after another getting his banking in order. Most recently, we found an account in his name and our mothers name, which opened up a XXXX box. 

After following all the directives I was given, both at the branch ( which has been very helpful ) and contacting the correct department, it has been XXXX lie after another ( since all calls are recorded, I urge you to listen to them ). All steps, documents, faxes, copies, etc. were received, because I have sent everything to be signed for, I have the card to prove it, it has been nothing but extremely frustrating with everyone passing the buck.

1st time : we received it has to be sent to our back office. Call us in XXXX days. Okay XXXX time : I waited the weekend and a day and called again. XXXX be another XXXX days from the moment it reaches the back office. Okay XXXX time : it is being processed, you should have everything by XXXX, call us back. Okay ( Now XXXX mad! ) XXXX time : XX/XX/year>. We need another XXXX days. What? 

Now, Im not mad, I am beyond angry, frustrated and disappointed at the lack of accountability, responsibility, work ethic and right out attitude and deception I am getting from Chase. How does a powerhouse like Chase fall so low.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: DE

Complaint narrative:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. LEXISNEXIS clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX. If LEXISNEXIS can't locate it on my file. It means that these records are not mine and it is a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: KY

Complaint narrative:
I am filing this complaint because I am the victim of identity theft. Unauthorized accounts have been fraudulently opened in my name without my knowledge, permission, or consent. These accounts are being falsely reported on my consumer credit file and are causing me significant financial harm.

I have never applied for, used, or authorized these accounts. They are the result of criminal identity theft. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I have the right to have all information resulting from identity theft blocked from my credit reports. Despite notifying the credit reporting agencies and disputing the accounts, they have continued to allow this fraudulent information to remain. 

The following accounts are the result of identity theft and must be immediately removed and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The continued reporting of these fraudulent accounts is a violation of my consumer rights under federal law. I am requesting that the CFPB compel the credit bureaus and the furnishers of this information to : Block and remove all identity theft-related accounts from my credit reports, as required under FCRA 1681c-2. 

Cease and desist from further reporting of these fraudulent accounts. 

Provide written confirmation that these accounts have been permanently deleted. 

As a victim of identity theft, I should not be forced to suffer ongoing financial and reputational harm for crimes I did not commit. I am requesting the CFPBs immediate intervention to enforce compliance with federal law. 

Respectfully, 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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
company charged off the debt and yet refused to provide the 1099-c that shows they no longer is carrying the debt and thus transferring that so called debt to me. I never received anything from them associated with this claim.I tried contacting them, they refused to respond.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is useless! Why you ask? Their bot system is so tight that it is impossible to speak to a human any longer. If you open their account on XXXX, you will see many complaints on this issue. 

There is no way to tell them that during the sign in and confirmation process, the responses from the system are not working. My registered phone number ( home ) can not receive text messages. The only option is to have a code sent to the phone. While this call never actually rings, you can open the messages to retrieve it. Unfortunately, after XXXX attempts, I always only get XXXX digits, not the XXXX that are required. 

Therefore, like many others, I will never be able to deal with Experian. Should I need to unfreeze my credit at some time in the future I won't be able to do so. While I am not in favor of creating new regulations, they should have an option to talk to a human, the same way the other credit bureaus do.

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