vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/year> I was invited to apply for an American Express National Bank XXXX XXXX XXXX Account, with a XXXX cash bonus to be paid provided that I deposit {$25000.00} within 30 days and keep that amount in my account for 60 days. I completed the application ( and took screenshots of everything, which I will attach ), and transferred {$25000.00} from my XXXX XXXX account to my new XXXX XXXX on the same day. Statements from XXXX and XXXX XXXX confirm the transfer. On XX/XX/year>, 62 days after that deposit, and no other activity on my part before then, I withdrew the {$25000.00} from my XXXX account. On XX/XX/year>, I had not received my cash bonus and called XXXX to find out why. I was told that contrary to what was shown to me about the offer, I needed to keep {$25000.00} in my account for more than 60 days. As you can check by looking at my screenshots and statements, this information was not conveyed to me at any time. Therefore, I am requesting that XXXX pay me the XXXX cash bonus as promised during my account application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westcreek Financial
State: GA

Complaint narrative:
Koalafi is reporting false late payments on my credit reports for XXXXXXXX XXXX XXXX tied to a XXXX XXXX purchase made on XX/XX/year>. After receiving the wrong tire size, I immediately initiated a return. XXXX XXXX representatives confirmed to Koalafi that the account should be placed on hold while XXXX shipping errors delayed the return. 

The order was fully refunded on XX/XX/year>. XXXX own account history shows the lease was cancelled, the balance is {$0.00}, and no payments were late. Despite this, Koalafi reported me late to the credit bureaus. 

This false reporting directly caused me to miss a refinance opportunity on my home loan, resulting in financial and emotional harm. I have attached XXXX payment history, refund confirmations from XXXX XXXX, and the related XXXX XXXX proving the account was never delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I made two purchases from XXXX, using XXXX Credit XXXX XXXX XXXX  ), totaling XXXX with the agreement that if paid within six months no interest would be attached. I have made monthly payment of more than the minimum required. Synchrony Bank emailed me asking if I wanted a credit card and I declined by not responding ( thinking it might be someone phishing for my personal information online ). Synchrony Bank issued a credit card using my personal information without my knowledge nor permission. I received an email notification that the credit card they issued was mailed to me, however, did not receive any such card. I was notified that the card had been activated on XX/XX/year> and two purchases had been made. I assumed this to be false information since I did not request a credit card and it was phishing. I telephoned Synchrony Bank asking if a credit card had been mailed to me and if so, I did not receive it. I was told that the balance owed for my PayPal Credit account was transferred to the credit card. I requested that they cancel the credit card and clearly stated that I am not responsible for anything incurred with the credit card since I did not request one. Synchrony Bank implied that I had knowledge of the card asking if I or anyone I know used it, to which I replied, " No '' and have no knowledge of the card. Synchrony Bank requested that I make a XXXX minutes video of my face, front, left side front right side and copy of my driver 's license front and back to be submitted to Synchrony to establish self-identification. I refused to submit anything and stated that I claim no responsibility for the card nor its usage and please cancel the card. Synchrony refused stating I need to submit a video of my face and drivers license. My intention is to pay the balance owed to PayPal Credit, Synchrony Bank in full prior to the end of the six months interest fees. Synchrony Bank has committed IDENTITY THEFT by using my personal information to open a credit card account without my knowledge nor permission.

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 2025-10-01 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc.
State: AK

Complaint narrative:
I requested a withdrawal of {$5000.00} and they sent me a transfer fee of XXXX I sent XXXX  {$30000.00} for trading on XX/XX/year> they said I traded and my balance is XXXX I asked them to take the withdraw fees out of my balance they said I have to pay additional money to receive my money company name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Request for Debt Validation Account Number XXXX To Whom It May Concern, I am responding to your phone call regarding the alleged debt with account number XXXX. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Please provide the following : XXXX. The amount of the alleged debt, including an itemized statement of fees and interest. 
XXXX. The name of the original creditor and documentation proving you have the right to collect on this account. 
XXXX. A copy of the original signed agreement creating the debt. 
XXXX. Documentation showing the chain of ownership of the debt ( if it has been sold or transferred ). 
XXXX. Proof that your company is licensed to collect debts in my state. 

Be advised that until you provide proper validation, you must cease all collection activity and reporting of this alleged debt to credit bureaus. 

If you are unable to provide the requested documentation, you must cease all collection efforts and remove any negative credit reporting related to this account. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-10-01 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: HI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-10-01 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: HI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a letter from XXXX  TransUnion dated XX/XX/year> that my info was involved in a cyber incident. This is the XXXX time this has happened to me! I pay {$800.00} per year for extended security freeze for these consumer companies, yet my info was breached. I am tired of their inability to protect my info as well as take my payments over a XXXX year period and XXXX be enforced. I want to file a lawsuit against blatant inability to keep my information safe.

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 2025-10-01 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:
XXXX is reporting a collection account to TransUnion only, while not reporting to XXXX  or XXXX. This creates an inaccurate, incomplete, and misleading credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must provide information that is both accurate and complete. Selective reporting to only XXXX bureau is misleading, violates XXXX XXXX reporting standards, and harms my creditworthiness. 

I formally disputed the account with TRANSUNION under FCRA 1681i, and also sent a direct dispute to XXXX requesting validation. I asked for documentation such as a signed contract, itemization of the debt, and proof of their legal authority to collect. So far, they have failed to provide this information. 

This incomplete and inconsistent reporting is damaging my credit file and preventing me from obtaining fair access to credit.

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 2025-10-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
Follow up to case : XXXX Bank set off account without proper action. 

Under the Uniform Commercial Code ( XXXX XXXX ), banks XXXX exercise a right of setoff by applying funds in a customers deposit account toward debts owed to the bank. However, this right is limited by law and must be exercised in compliance with good faith and commercially reasonable practices. Key Principles : Authorization Requirement : A setoff may only be exercised if clearly authorized by the account agreement. Ambiguous or undisclosed terms are not sufficient to allow unilateral withdrawal of funds. Duty of XXXX XXXX and XXXX XXXX : Even where a contractual setoff clause exists, the bank must act in good faith and in a commercially reasonable manner. Seizing funds without notice or while simultaneously failing to process agreed automatic payments does not meet this standard. XXXX of XXXX Obligations ( XXXX XXXX ) : A bank must honor properly payable items ( e.g., checks or authorized electronic transfers ) once they have been accepted for processing. Exercising setoff in a way that causes the dishonor of legitimate payments is inconsistent with the UCCs requirements. Application to XXXX XXXX XXXX : Lack of Informed Consent : I was never explicitly told that setoff would authorize Wells Fargo to withdraw funds from my account without my signature or contemporaneous authorization. Failure of XXXX XXXX : Wells Fargo failed to process my scheduled automatic payments ( an error on its part ), then used setoff to seize funds without notice, exacerbating financial harm. XXXX XXXX : XXXX XXXX setoff was applied before honoring my e-check to my attorney, resulting in a dishonored check. This contravenes XXXX XXXX, which restricts banks from prioritizing setoff over valid payment obligations. Lack of Notice : Reasonable notice is generally expected before setoff so that the customer can make alternative arrangements. Wells Fargo provided none. XXXX XXXX provides banks with a limited right of setoff, that right is constrained by principles of good faith, proper authorization, and fair dealing. XXXX XXXX actionsfailure to process auto-payments, unilateral XXXX of funds without warning, and dishonoring of other legitimate paymentsrepresent a misuse of setoff authority and a violation of these legal standards.

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 2025-10-01 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, XXXX unauthorized debit card purchases appeared on our accounts : {$200.00} Merchant description : XXXX XXXX XXXX CA ( my debit card ) {$150.00} Merchant description : XXXX XXXX XXXX CA ( my debit card ) {$76.00} Merchant description : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX my husbands debit card ) We never use our debit cards for online purchases and only keep them securely stored at home for occasional ATM withdrawals. After noticing these transactions, I immediately contacted Wells Fargo and filed disputes ( Claim Reference XXXX XXXXXXXX ). Wells Fargo issued provisional credits for all XXXX  transactions. 

Following their investigation, Wells Fargo permanently credited the {$76.00} transaction but denied the XXXX charges of {$200.00} and {$150.00}. I contacted the claims department ( XXXX ) and was told they determined the XXXX transactions were valid, but they could not provide receipts or proof of authorization. They instead advised me to contact the merchant directly. 

Wells Fargo provided the following merchant contact details : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX On XX/XX/year>, I visited this store in person. The staff kindly allowed me to review their ledger for XXXX XXXX XXXX, XXXX, but no record of these XXXX transactions existed, and my debit card number had never been used there. 

Despite this, Wells Fargo refuses to reopen the claim, insisting it is closed. I am therefore submitting this complaint to the CFPB for assistance in resolving the matter and recovering the disputed funds.

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 2025-10-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX OF XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief