vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX, saw i came in to get a service. I was at another teller 's window. XXXX, pointed her finger at me, belittling me in front of her co-worker who was servicing me because of the prior compliant i made on her poor customer service. At the same time XXXX actions was deceptive by coming in her co-workers space to copy ( writing down ) my personal banking information for her evil intentions. she went on to create a hostile & unsafe public environment. She kept on belittling me inside the bank branch while, taking customers as well customers inside the branch hearing the domestic dispute. The bank manager waited too long to try and stop her employee of being a security breach as well as hostile against me as a customer of 33 years. Wells Fargo corporate case # XXXX. police case # XXXX. My bank info, as well as my personal name, SS # has been breached by this discrepant employee XXXX. Everything she did is on bank camera.

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 2025-09-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I recently closed on a HELOC through Shellpoint ( Newrez ). I asked at closing when I could redraw from my line of credit of credit and I was told within 30 days. This to my knowledge matches what is on my closing paperwork. 

Upon attempting to redraw I was told my account was subject to a 90 day freeze which is not the terms I agreed to. As a result I could not use my line of credit to pay higher interest debts costing me money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Fleet Financial, Inc.
State: NC

Complaint narrative:
XXXX offered a loan refinance, I gave them info but capitaline says it never got transferred. XXXX is a scam, and they got my info.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I reached out to XXXX on multiple occasions regarding this loan that was taken out in XX/XX/XXXX. Just recently in XX/XX/XXXX, my credit score dropped by XXXX points and that is what brought my attention to this matter. They are demanding payments on a loan amount I had no knowledge of from 6 years ago. I contacted my school for an itemized billing summary with all subsidized and unsubsidized loan amounts. This institution as well as the loan amount they are requesting was not apart of the summary. I completed a fraudulent packet they provided as well as filing a police report ( with XXXX police department in XXXX, NJ XXXX ) on my behalf. Additionally, XXXX keeps attempting to contact me although in the state of NJ they have reached the statute of limitations and should no longer be trying to contact me regarding this matter. I exhausted all my options and still being harassed. My credit score is dropping monthly because of this loan that I was unaware of.

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 2025-09-02 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: CA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : 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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am continuing to get text messages stating the following : Please contact Radius Global Solutions LLC @ XXXX Reference Number : XXXX To view your rights or make a payment : XXXX Text STOP to End texts Because I have no outstanding debt to my knowledge, I contacted Radius Global directly to inquire and they do not have knowledge of any account associated with my name. Yet I still get these text messages. The phone number and website do not appear to be the correct contact details for the actual company which leads me to think its a scam.

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 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
On XXXX XXXX XXXX I made a Zelle transfer of {$700.00} that was misdirected due to an input error. The intended recipients phone number was XXXX. Due to a single digit input error, the payment was incorrectly sent to XXXX, which belongs to XXXX XXXX XXXX XXXXXXXX, a business with whom I have no relationship and who was not the intended recipient. This constitutes a misdirected payment error. I immediately contacted XXXX XXXX upon discovering the mistake. In our text message exchange, XXXX XXXX explicitly acknowledged receiving the {$700.00} " in error '' and confirmed they have " no relationship '' with me as a customer. I have copies of the text message exchanges. XXXX XXXX 's acknowledgment that they received funds " in error '' and have no legitimate claim to them establishes that this remains a banking error requiring reversal. XXXX XXXX has not returned the funds. Their written admission removes any ambiguity about rightful ownership of these funds. I filed a dispute with both XXXX XXXX ( where my account is ) and Zelle. XXXX XXXX XXXX investigation states there was no error which is contrary to the overwhelming evidence I provided the. Zelle has not responded to my support request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CARD Corporation
State: TX

Complaint narrative:
My federal tax refund of {$140000.00} was deposited into my XXXX account. XXXX requested documents from me to verify the deposit, and I submitted everything they asked for. Even after I provided all the documents, they closed my account. 

Before the account was closed, I was able to access and spend some of the money, which shows the funds were legitimate. Now XXXX is telling me to call the IRS to request the money back, even though the IRS already issued the refund and it was successfully deposited into my account. 

I have called several times trying to resolve this issue, but XXXX refuses to help me. I am being denied access to the remaining balance of my refund with no clear explanation. 

I want XXXX to release my funds and give me a clear reason why my account was closed after I followed all their instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

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 : [ 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 2025-09-02 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: MO

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$580.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-02 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: OH

Complaint narrative:
Hi, I noticed I've been a victim of identity theft, and my personal information was exposed in a national data breach. I am contacting you regarding fraudulent accounts that have been reported on my credit report. 

Under the authority of 15 U.S. Code 1681c-2, I am formally requesting that you block and remove from my credit report all information that resulted from this identity theft, including any fraudulent accounts, inquiries, or collections that do not belong to me. 

XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX  account number : XXXX XXXXXXXX XXXX XXXXXXXX account number : XXXXXXXX XXXX XXXX XXXX  account number : XXXX please remove the following addresses from credit report XXXX XXXX XXXX XXXX oh please remove the following hard inquires from credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XXXX XXXX XXXX Chase informed me that they closed my account. They did not give a reason but " unusual activity ''. They closed my account in the afternoon. In the morning I mobile deposit my payroll check on XXXX and chase had made the money available. I called Customer Service and they informed me I would have my money in about 10 business days for close to {$620.00}. Once they closed my account I was informed on XXXX that the check was returned. Chase will not cash the check even though the issuer is a chase bank business account holder. I have the check and my complaint is that Chase has inconveniently held my money. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MD

Complaint narrative:
Filed a dispute on XX/XX/XXXX trying get my money back then I filed a complaint with you guys they responded 60 days now today they saying another additional 30 days this is my first complaint XXXX with you guys on XX/XX/XXXX now today is XX/XX/XXXX and they telling me another 60 days I demand my money back credited it something never had to wait this long with no bank before

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: PA

Complaint narrative:
Beyond finance take XXXX dollars a month from my checking account to settle my credit card debt the first settlement went as expected but since XXXX of 2025 things got real slow and bad they negotiated a XXXXdollar payment and a XXXX dollar payment for a total payout XXXX then they have been taking XXXX dollars per month since at least XX/XX/year>2025 in fees and charges they told me thats the resolution fee I smell a scam here I have received debt collector demand letters forwarding that to Beyond Finance and never received any response I would like to get my money as fees they charged me back its like they are taking almost 80 % off the top I personally believe they are acting in a illegal manner also I had to retire due to an injury so now I am on a fixed income with very little resources at hand

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

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. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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 2025-09-02 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$7900.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-02 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: TX

Complaint narrative:
I dispute the late payment shown on my account. My payment records prove that I have never been late, and the reported delinquency is inaccurate. This false information unfairly damages my credit profile.

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 2025-09-02 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:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Branch Messenger, Inc.
State: PA

Complaint narrative:
Previous complaint - number - XXXX. I requested tracking information for the check that should have been sent. My request was denied and I still have not received the check. Nor was I asked if I wanted the funds put in another account. I have good reason to believe that the check was never sent and that I am being scammed for my {$2600.00}. Please help the complaint number for prior complaint is above. 

Thank you!

Company response to consumer: Closed with explanation