vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year> I was contacted by a thief representing themselves as a Bank of America employee. He told me that the purpose of the call was to resolve two fraudulent uses of my XXXX credit card. To do this he needed access to my XXXX XXXX. I found out on XX/XX/year> that the theif ( thieves ) ran up {$28.00}, XXXX on my card. the thief ran up XXXX charges in a few days. I went to the Bank of America immediately and started a claim. On XXXX XXXX I started a new one as the bank rejected the first claim. Now the bank has rejected the second claim. I have paid my expenses ( over {$620.00} ) for the month of XXXX. I'm currenly contacting credit card fraud and identity theft attorneys for consulation. I filed reports with the XXXX Police Department, FTC, and FBI. That paperwork was faxed to Bank of America and it still rejected my fraud claims.

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 2025-12-03 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: VA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : DEPT OF EDUCATION/XXXXXXXX XXXX XXXX XXXX  {$6600.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$600.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$1000.00} DEPT OF EDUCATION/XXXXXXXX XXXX XXXX XXXX {$2700.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$4000.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$6500.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX  {$5400.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX  {$1200.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$3400.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$4100.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX  {$5500.00} DPEDXXXX XXXX XXXX XXXX {$3100.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX  {$3100.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX$5400.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : DEPT OF EDUCATION/XXXXXXXX XXXX XXXX XXXX  {$6600.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$600.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$1000.00} DEPT OF EDUCATION/XXXXXXXX XXXX XXXX XXXX {$2700.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$4000.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX {$6500.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX  {$5400.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX  {$1200.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$3400.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$4100.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX  {$5500.00} DPEDXXXX XXXX XXXX XXXX {$3100.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX  {$3100.00} DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX$5400.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00}

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 2025-12-03 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: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TRANSUNION has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : [ List any supporting documents you are including, e.g., copies of your dispute letters, credit report, etc. ]

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 2025-12-03 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: NC

Complaint narrative:
I am submitting this dispute to Equifax because the following charged-off accounts are inaccurate, inconsistent, or unverifiable. I request verification of all items and removal of any that can not be fully substantiated.

Charged-Off Accounts in Dispute : XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX  XXXX XX/XX/XXXX {$680.00} XXXX  XXXX XXXX XX/XX/XXXX {$570.00} XXXX  XXXX XXXX XX/XX/XXXX {$3400.00} XXXX  XXXX XXXX XX/XX/XXXX {$4100.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX  XXXX XX/XX/XXXX {$380.00} XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$68.00} Request to Equifax : Conduct a full reinvestigation under FCRA 611 .

Provide documentation verifying account ownership, balance, and status.

Remove any unverifiable or inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/year> I applied for a Wells Fargo Checking account online. They were running a promotion giving a {$320.00} credit if you had a {$1000.00} of qualifying electronic deposits in the XXXX 90 days. On XX/XX/XXXX, I had an electronic deposit of {$1300.00} from my employer. ( see attached ) I reached out to Wells Fargo over the summer as I had not received the {$320.00}. I was told sometimes it takes a few months. As of XX/XX/year> I still had not received the funds and reached out again via phone. The person I spoke with took the information and put in a request to escalate the issue. After not hearing anything for a week, I went into the local branch and was then told that I did not use the promotional code required. They are still running the promotion and it clearly states that if you apply online the promotional code will automatically be added. ( see attached )

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 monetary relief
Consumer complaint received 2025-12-03 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: OK

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 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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I found that my account was in a negative {$970.00}. I went in and talked to the bank about why and found that someone had used my account to make a payment unauthorized by me to another financial institution for {$1500.00} when there was less than {$600.00} in the account. This institution did not have my bank account number and there was no court order for payment so I had no intention of paying them. I have no idea who did this and asked the bank to find what ip address had initiated the transaction and they did not do that. I was told on XXXX that the bank felt no responsibility and said the transaction was legit even though i had told them over and over that I never initiated it and it would be proven if they tracked the ip address of the device that did it. I have spoken with the bank and other financial institution and gotten no where in getting the funds returned to me. The bank on XXXX took almost {$1100.00} or a third of my check to cover the overdraft and closed the dispute that i had filed on the XXXX of XXXX XXXX issue is with WesBanco Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I am writing to dispute inaccurate information found on my TransUnion credit report. I am requesting that the following accounts be investigated under the Fair Credit Reporting Act ( FCRA ). 
1. XXXX XXXX o Account Number : XXXX o Balance : {$290.00} o Dispute Reason : The account is listed as positive, but payment status and balance discrepancies exist. Please investigate and verify the information.

o FCRA Violations : 15 U.S.C. 1681i Failure to address and correct inaccurate reporting. 
2. XXXX o Account Number : XXXX o Balance : {$200.00} o Dispute Reason : The account is marked as positive, but I believe the payment history may be incorrect. Please verify the status and payment history.

o FCRA Violations : 15 U.S.C. 1681e ( b ) Failure to ensure accuracy in reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IA

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with XXXX  regarding negative accounts which are completely fraudulent due to identity, theft, and multiple XXXX  data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last three years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by XXXX  and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by XXXX  and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with XXXX  about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) XXXX, EXPERIAN AND TRANSUNION-

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 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am actively working to repair my credit, and I respectfully request the investigation and resolution of the following issues under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am disputing, separated by bureau.

Charged Off Accounts : XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX  XXXX XXXX XX/XX/XXXX, {$5200.00} XXXX  XXXX, XX/XX/XXXX, {$4100.00} XXXX  XXXX, XX/XX/XXXX, {$6000.00} XXXX  XXXX, XX/XX/XXXX, {$8300.00} XXXX  XXXX, XX/XX/XXXX, {$2800.00} XXXX  XXXX, XX/XX/XXXX, {$9000.00} XXXX  XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$1700.00} XXXX  XXXX, XX/XX/XXXX, {$1700.00} XXXX XXXX XXXX, XX/XX/XXXX, {$2600.00} XXXX XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX  XXXX, XX/XX/XXXX, {$26000.00} XXXX XXXX  XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$2600.00} XXXX XXXX XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX, XX/XX/XXXX, {$3000.00} XXXX  XXXX, XX/XX/XXXX, {$2500.00} Inquiries 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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: IL

Complaint narrative:
I have been using this mobile wallet service for over a year. Recently, the company required additional identity verification. I uploaded both my valid U.S. State ID and my Employment Authorization Document ( EAD ), which are official government-issued documents and the only legal identification I possess.

Despite submitting these documents multiple times, the system repeatedly rejected them without a clear explanation. I contacted customer support several times asking why my documents were not accepted and what additional information was needed, but I did not receive a helpful response and the issue was not resolved.

As a result, my account remains unverified and I am unable to use the service. I am requesting assistance so that the company properly reviews my documents, explains the reason for the rejection, and completes my verification process.

Company response to consumer: Closed with explanation