vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I receive a bill in the mail from Well Fargo for the amount of XXXX for a credit card that I didn't open. card is a XXXX. I contact the credit bureau to file a fraud, and proceed to call well Fargo on why this account was open in my name. Wells Fargo had no idea what happen or why this credit card was open in my name, the reference number or Id number for the claim that I file with them is # XXXX. main while there's XXXX card that was open in my name and Wells Fargo is not trying to resolve this issues or cancel the credit card. main while my XXXX XXXX is very low due to this issue. I only find this information out while trying to purchase a car XXXX XXXX XXXX in XXXX on this month. for my surprised my XXXX XXXX was very low with a fraudulent XXXX from Wells Fargo. 


Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  this account has violated my rights Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  this account has violated my rights Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
b"I uploaded the death certificate and letters of probate to the bank's descendant's web portal on XXXX.\n\nOn XXXX, I called the XXXX XXXX XXXX XXXX XXXX) to check on the case's status. The representative told me that the estate department reviewed and approved the submitted documents. She directed me to make an appointment at a branch to close the account.\n\nI made an appointment at the branch for today.\n\nI went to the branch with the original documents. I gave the banker the estate case number XXXX. The banker called the estate department and stated that he could not move forward without letters of testamentary."

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. 15 U.S.C 1681 section 602 A. States I
have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX 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 if 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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/year> I made a purchase from XXXX XXXX that was scheduled to be delivered on XX/XX/year>. The product was severely damaged so the company was supposed to redeliver. XXXX  times a delivery date was scheduled and they failed to show. On XX/XX/year> I disputed the charge with my credit card company after multiple phone calls and attempts to reach a store manager or get answers on why my product was not delivered or get my money back. On XX/XX/year> XXXX Customer Service finally contacted me and promised delivery on XX/XX/year> so I called and canceled my credit card dispute. Then, the product was again NOT delivered. Now when I call my card company they state I can not dispute the charge and the company will not issue my refund. I believe my credit card company should protect me against being defrauded by a company who will not give me my product.

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 2025-05-19 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: IL

Complaint narrative:
I am writing to formally address a concerning issue regarding unauthorized inquiries on my credit profile that were made without my consent. It has come to my attention that several inquiries have been reported that I did not authorize, and this situation has severely impacted my creditworthiness. 
These unwarranted inquiries not only harm my credit score but also disrupt my financial stability and ability to secure necessary credit in the future. I find this situation to be both frustrating and unacceptable. 
I demand that these unauthorized inquiries be blocked and deleted from my credit profile immediately. It is imperative that actions are taken to rectify this situation in order to prevent further damage to my credit and to uphold the integrity of the credit reporting system. 
Thank you for your attention to this urgent matter. I expect a prompt 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 2025-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I received a letter from a fraudulent debt collector. AllianceOne knew how much I owed XXXX ( which was not in default ) ; indicated repeatedly they were hired to collect a debt. In speaking with XXXX, no such collection had been placed on my account and I am settled and free of my obligations to XXXX 

AllianceOne XXXX asked for the last four of my social security number ( did NOT give ) instead of the reference number on the letter sent. Reference DEFXXXX. 
Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX AllianceOne Receivables Management Inc. 
Asking amount {$69.00} - my original XXXX billing exactly XXXX confirmed they had not entered me into ANY debt collection as I awaited my last bill from them ; the bill is settled directly with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
Today Robinhood locked out my account saying that they have detected someone accessing it- but there is no support to contact as website says log in to account to request call back or chat but I can't log in as my account is locked by them!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

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 15 USC 1681i ( 7 ). 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 explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
To whom this may concern, I want to get this alleged matter settled as soon as possible. But to do that, I need to have more clarity on what your presentment is actually saying. What language are you using, please? What dictionary are you using please? What system of grammar are you using, please? please provide a legend so that i can comprehend the symbols, etc. on your presentment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX TRANSUNION CREDIT REPORTING AGENCY HAS IMPROPERLY PARKED AN ACCOUNT ON MY CREDIT REPORT WITHOUT PROPER VALIDATION PER THE XXXX  CONSUMER ACCESS : XXXX XXXX XXXX XXXXXXXX IS NOT EVEN LICENSED TO COLLECT ALLEGED DEBT IN THE STATE OF IOWA

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
RE : FORMAL DISPUTE & NOTICE OF INTENT TO SUE FOR VIOLATIONS OF FCRA, 15 U.S.C. 1681, AND FTC RULES To Whom It May Concern : Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and FTC Regulation 16 C.F.R. Part 660, I am formally disputing the following inaccurate, unverified, and obsolete items on my credit report. Per FCRA 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation within 30 days of receiving this dispute. The following items remain unverified, and your failure to respond within the statutory timeframe constitutes a willful violation under FCRA 1681n, entitling me to damages : Items for Dispute & Removal [ List accounts with : Creditor Name, Account #, Date of Late Payment, and Reason for Dispute ( e.g., " Never late, '' " No contractual agreement '' ) ] Creditor : ALL| Account # : ALL | ALL Alleged Late Payment : [ ALL ] Violation : No verification provided within 30 days of prior dispute on [ Date ]. 

Legal Basis : FCRA 1681i ( c ) mandates removal if unverified.

all claimed verified accounts Legal Demands Immediate Removal : Per FCRA 1681i ( a ) ( 5 ) ( A ) ( i ), all unverified items must be deleted immediately.

Corrected Report : Provide a free updated copy of my credit report within 5 days of correction ( FCRA 1681i ( a ) ( 6 ) ( B ) ).

Documentation : Supply all investigation records and methods used, as required by FTC 16 C.F.R. 660.4. 

Notice of Intent to Sue If you fail to comply within 15 days of this letter, I will : File complaints with the CFPB and FTC for unfair practices ( 15 U.S.C. 41 ).

Pursue civil action in federal court for : Willful non-compliance ( FCRA 1681n : $ 1,000+ per violation ).

Negligent non-compliance ( FCRA 1681o : Actual damages + attorney fees ). 

Punitive damages under state law. 

This letter serves as my final attempt to resolve this matter before litigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive disputed this account several times this year XXXX. Ive reached out to the company, creditors acceptance, and the bankruptcy department customer service representative was very nasty and rude. She was very short and could not tell me anything, but to contact my lawyer. She could not show me any prove showing that I claimed the account. Once I told her that they were included in my XXXX XXXX XXXX  and my count was supposed to be closed with XXXX bounce she got even more rude. Loud and dismissive. She kept cutting me off and would not listen to anything that I told her.

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 2025-05-19 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: GA

Complaint narrative:
Ive disputed this account several times this year XXXX. Ive reached out to the company, creditors acceptance, and the bankruptcy department customer service representative was very nasty and rude. She was very short and could not tell me anything, but to contact my lawyer. She could not show me any prove showing that I claimed the account. Once I told her that they were included in my XXXX XXXX XXXX and my count was supposed to be closed with XXXX bounce she got even more rude. Loud and dismissive. She kept cutting me off and would not listen to anything that I told her.

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Dear CFPB I seek your assistance in recovering my money from Wells Fargos negligence.

I have lost {>= $1,000,000} due to Wells Fargo 's negligence and lack of adherence to its own policies, industry practices, and standards of practices in the last few years.

My communications with Wells Frago have been nearly ignored. Wells Fargo has never taken action to provide the information I requested or to recover my funds. 
I made many withdrawals and wires at Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX, WA XXXX ( XXXX ) XXXX The wires went to what I now know is a questionable XXXXXXXX XXXX that participates in fraud, where the funds were transferred to XXXX, the ultimate fraudster. Wells Fargo should have protected me from this scam. 
Note : If I missed a deadline or state of limitations, I qualify under the XXXX for accommodations for being slow due to XXXX XXXXl XXXX, caused by XXXX XXXX XXXX 
I have attached many letters to justify my request. 
Sincerely, 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States Phone : XXXX XXXX : [ Insert your full Date of Birth ] SSN : XXXX Date : XX/XX/year> To whom this may concern : Subject : Formal Dispute Under Federal Law Request for Deletion of Inaccurate Information Dear TransUnion, Experian and Equifax I am writing to dispute inaccurate, outdated, or unverifiable information currently listed on my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation and correction of the following : Late Payments : Pursuant to 15 U.S.C. 1666b, please validate all reported late payments. If accurate validation can not be provided, they must be deleted.

Charge-Offs : According to 15 U.S.C. 6801 and 6802, credit furnishers must ensure the accuracy, security, and privacy of consumer information. Unverified or inaccurately reported charge-offs should be removed.

Collections : Under 15 U.S.C. 1692g and 1692cc, debt collectors are required to verify any debts they report. If the listed collections are not validated, they must be deleted from my file.

Inquiries : As per 15 U.S.C. 1681b, all inquiries must be based on my written consent or legitimate purpose. Any that do not meet this criterion must be removed immediately. 

I expect your investigation to be completed within 30 days, in compliance with federal law. Please send me the updated credit report once the investigation is finished. I also ask that you inform all recent users of my credit file of any changes made. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States Phone : XXXX XXXX : [ Insert your full Date of Birth ] SSN : XXXX Date : XX/XX/year> To whom this may concern : Subject : Formal Dispute Under Federal Law Request for Deletion of Inaccurate Information Dear TransUnion, Experian and Equifax I am writing to dispute inaccurate, outdated, or unverifiable information currently listed on my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation and correction of the following : Late Payments : Pursuant to 15 U.S.C. 1666b, please validate all reported late payments. If accurate validation can not be provided, they must be deleted.

Charge-Offs : According to 15 U.S.C. 6801 and 6802, credit furnishers must ensure the accuracy, security, and privacy of consumer information. Unverified or inaccurately reported charge-offs should be removed.

Collections : Under 15 U.S.C. 1692g and 1692cc, debt collectors are required to verify any debts they report. If the listed collections are not validated, they must be deleted from my file.

Inquiries : As per 15 U.S.C. 1681b, all inquiries must be based on my written consent or legitimate purpose. Any that do not meet this criterion must be removed immediately. 

I expect your investigation to be completed within 30 days, in compliance with federal law. Please send me the updated credit report once the investigation is finished. I also ask that you inform all recent users of my credit file of any changes made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally address a concerning issue regarding unauthorized inquiries on my credit profile that were made without my consent. It has come to my attention that several inquiries have been reported that I did not authorize, and this situation has severely impacted my creditworthiness. 
These unwarranted inquiries not only harm my credit score but also disrupt my financial stability and ability to secure necessary credit in the future. I find this situation to be both frustrating and unacceptable. 
I demand that these unauthorized inquiries be blocked and deleted from my credit profile immediately. It is imperative that actions are taken to rectify this situation in order to prevent further damage to my credit and to uphold the integrity of the credit reporting system. 
Thank you for your attention to this urgent matter. I expect a prompt 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 explanation