vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am submitting this complaint regarding identity theft and a fraudulently opened credit card account reported by Wells Fargo. 

Wells Fargo has confirmed in writing that a credit card account was opened in my name, associated with XXXX XXXX XXXX XXXX, and that a hard inquiry was placed on my XXXX  credit report. I did not open or authorize this account and have no relationship with Wells Fargo. 

Despite this confirmation, Wells Fargo closed my prior complaint and instructed me to call a fraud reporting phone number. I have attempted to report the fraud as instructed but have been unable to reach a representative after multiple hours on hold, making it impossible to formally report or resolve the fraud by phone. 

At this time : A fraudulent account was opened in my name A hard inquiry was placed without authorization Wells Fargo has not completed a fraud investigation I have been denied a reasonable method to report identity theft The inaccurate information remains on 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I received an email notification that an account was opened in my name at Truist Bank along with a slew of emails following that from the XXXX, which is the mortgage/loan department of Truist asking for documentation to verify my account and application. Later that day I began getting emails from XXXX that a credit inquiry had been made as well. I was able to contact all 3 credit bureaus and put a freeze on my credit report. 

Saturday, XX/XX/year>, I received a call from XXXXXXXX XXXX regarding opening a XXXX XXXX credit card. 

On the morning of XX/XX/year>, I received another email from Truist stating that my email address from my Truist account had been updated from my email ( XXXX ) to XXXX. Not only did I not open any of these accounts, I also did not authorize any changes either. 

XX/XX/year> XXXX emailed to fund an account that I did not open as well.

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 2025-12-29 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Failure to Resolve Identity Theft and FCBA Violations by Macys/Citibank ( DSNB ) Detailed Description : I am filing this complaint against Macys/Citibank regarding a total failure to investigate and resolve a clear case of identity theft reported on XX/XX/XXXX. 

From XX/XX/XXXX to XX/XX/XXXX, I was physically in XXXX XXXX caring for my ill mother. During this time, unauthorized individuals made approximately {$16000.00} in purchases at Macys XXXX XXXX and attempted a {$9000.00} payment from my XXXX XXXX  account. XXXX XXXX  investigated and returned my funds within one week, confirming fraud. 

I reported this to Macys on XX/XX/XXXX. On XX/XX/XXXX, my case was escalated to an Administrator named XXXX ( XXXX XXXX ). Despite XXXX written confirmation that he was supervising the case and his acknowledgement of my travel evidence, Macys has failed to resolve the issue for 10 months. 

The Damages : My credit score has plummeted from XXXX to XXXX. 

Macys has added interest and fees, inflating a fraudulent {$16000.00} balance to {$22000.00}.

Despite the active dispute, Macys sold/transferred the debt to a collection firm ( XXXX XXXX XXXX XXXX XXXX ), violating my rights under the FCBA and FCRA. 

Desired Resolution : Complete removal of all fraudulent charges and late fees ( {$22000.00} balance to {$0.00} ), deletion of all negative credit reporting from XXXX XXXX XXXX XXXX  and immediate termination of all collection activities. 

The air ticket shows my last name as XXXX which is my maiden name ( 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 monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime denied my fraud dispute stating " no error occurred '' despite clear evidence of account takeover. My credentials were changed in multiple apps including my email, chime, betting apps, and more without my authorization and I was locked out of my account, and the hackers closed my account following several fraudulent transactions adding up to almost XXXX . I did not authorize these transfers. Under Regulation E, this qualifies as an unauthorized electronic funds transfer. I am requesting a full re-investigation and credit back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WI

Complaint narrative:
tried to open a savings account as a joint holder. XXXX was transferred into the new account but the new account was put into my name despite the application being filled out and meeting scheduled with banker. where is my personal information being remitted to? did your teller give a bad link so now my information is compromised? is this a scam with USB because no one is contacting me about the ownership of this account. Are your tellers taking my application information to open accounts without my knowledge? and dont you dare mark this as a duplicate to another complaint because you havent responded to any of the previous calls or complaints. Talk about making a consumer feel stuck. My other financial institutions would NEVER do this, with multiple accounts. I am demanding my name be put on this account as I was in the branch to do so and your team failed to correctly open this account. All parties were present and nothing was discussed, we were told all is ok, to try online banking. But then when unsuccessful, we were told to try in XXXX hours. When the whole time the account was never in my name. THIS IS MALICIOUS!! XXXX needs to be in my name and me as a joint account holder. USB messed this account up so bad! Pull the applications and emails sent to my email address. Review the appointments set up for the day on XX/XX/year> with my name on it. Review the footage IN THE BRANCH. Do some due diligence!

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 2025-12-29 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: LA

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 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XXXX  I paid back 2 loans early on Cash app. On the same day I requested the loans again separately. XXXX at XXXXXXXX XXXX pst and XXXX at XXXXXXXX XXXX  pst. I was only funded for for the first one. You will see in the attached only {$300.00} is showing in my cash app account. I completed all the paperwork as requested. They now say I owe {$630.00} which is for 2 loans and fees. I called customer service on XXXX and I was advised they could not discuss with me as I had to work with the borrow team. This can only be done by email. They said they forwarded my issue. But could not give an ETA on when I could expect a response. They also said they escalated. I have emailed the borrow team but no response. As of today XXXX no one has contacted me. I am afraid I will be held paying back money I did not receive. 

Cash app is owned by Block Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
So multiple student loans were taken out in my name from the Department of Education. one for {$3500.00} and another for {$6000.00}. I called the fraud hotline from the DoE 's website and tried every single prompt they had just to no get ahold of anybody. The prompts simply say that you don't have " permission '' to call those lines and then it hangs up. One of the prompts even said that it was for if someone took out a student loan in your name, which is exactly what I need but it doesn't matter if the line won't actually connect me to a person that can help. 

I have also Contacted XXXX about putting a credit freeze on my account. I also sent in a written complaint on the DoE 's website but I have not heard back from them whatsoever.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/year> I went into XXXXXXXX XXXX XXXX XXXX  dealership with a pre-approved loan through XXXX XXXX The dealership told me I had to fill out a credit application to finalize the deal with XXXX XXXX, which was a lie. They then proceeded to run my credit through Ally to shop around for better rates with a different lender without my consent. I got an alert from XXXX that Ally had pulled my credit report. When I immediately confronted the sales team, I was told thats how they do business. I did not sign anything giving them permission to run my credit or " shop '' my credit to other lenders for a better deal. The dealership said that they would get the inquiry removed from my credit but it could take a long time to get that done. That's not the point though. My personal financial information, along with my daughters ( I co-signed for her ) was shared without our consent to financial institutions that have no business knowing that information. It was done against my will and then I was lied to stating it was how they do business. I contacted XXXX XXXX and they said this was also false, they did their own hard pull on the XXXX after the purchase was made to finalize the paperwork from my pre-approval. I am furious and I feel violated. This is a blatant FCRA violation. Not once but twice since they did the same to my daughter. Also please note that I never signed anything granting them permission to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: VA

Complaint narrative:
I am writing to file a dispute regarding inaccurate information appearing on my credit reports with the following credit bureaus : XXXX XXXX XXXX XXXX Experian ( XXXX ), XXXX XXXX XXXX XXXX XXXX. Below are the accounts in dispute, organized by bureau. I request a thorough investigation of these accounts and that any inaccuracies or outdated information be corrected as per the Fair Credit Reporting Act ( FCRA ). 

I dispute the following information on my Experian credit report : Charged Off Accounts : ( There are no accounts in dispute for this bureau under " Charged Off. '' ) Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Positive Accounts : ( There are no accounts in dispute for this bureau under " Positive. '' ) Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-29 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: AZ

Complaint narrative:
I am submitting this complaint because there are inaccurate or unverifiable items being reported by the three major credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ). 



Accounts in Dispute Charged Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Statement : I am a consumer actively working to repair my credit. Upon reviewing my Experian credit report, I have identified multiple accounts and inquiries that I believe are inaccurate or outdated. I request that Experian investigate the following accounts and remove or correct any information that can not be verified as accurate. I also request removal of duplicate or erroneous late payment entries. I am providing supporting documentation where applicable.

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 2025-12-29 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:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

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 2025-12-29 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: GA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-12-29 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: AZ

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention. 
My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. 
These errors are having a serious and ongoing negative impact on my life. 
I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. 
Resolving this issue is not only necessary, it is critical.

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 2025-12-29 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:
I am disputing the following accounts on my TransUnion report, as they are inaccurately reported Inquiries : XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
They put it on my credit bureau and it wouldn't show me my original signature on the contract that they possess know my payment history on the contract that they persist and they constantly call me and email me over and over again every other day sometimes everyday

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I got a title loan from titlemaxx and recently filed a complaint for predatory lending. Titlemaxx just replied back lying stating that would pay them back all in XXXX payment. Instead what was stated on contract that would have to pay over a year term. Not XXXX lump some payment. Then they lied and i borrowed against it more than twice. I only got XXXX intial loan and only refinance it once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-29 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: GA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-12-29 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: PA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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