vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXXNOTE: This situation has also been reported in a complaint to FBI-IC3.\n\nWells Fargo has an active data leak/breach releasing information in real time. My original On-line banking account was compromised on XXXX XXXX XXXX The new replacement checking account was effectively compromised in less than a week. The following describes the incidents reported to Wells Fargo. It seems they are unable or unwilling to address this on-going data breach.\n\nMy Wells Fargo online banking account was compromised XXXX XXXX XXXX allowing fraudulent cash advance transfers and unauthorized cash withdrawals from checking account XXXX. Wells Fargo closed the compromised account and opened a new replacement account on XXXX XXXX XXXX The new checking account is XXXX.\nOn Sunday morning XXXX XXXX XXXX XXXX XXXX XXXX, I received a phishing text to my cell number XXXX XXXX  which is the only number associated with the new checking account. \nThe text from number XXXX"Do you recognize XXXX  transfer between your Wells Fargo accounts XXXX  and XXXX  on XXXX Reply Y or N. STOP to stop fraud alert messages".\nMy new Wells Fargo checking account ends in XXXX.\nThe checking account was created on XXXX. \nI did not write any checks or initiate any transactions on this new account either in-person or on-line between XXXX and XXXX.\nThe only way the fraudster could have the new checking account number ending in XXXX  is through Wells Fargo and/or their third-party suppliers.\nI reported this breach to Wells Fargo immediately upon receiving the text.\n\nThen another breach occurred between XXXX and XXXX. On Wednesday XXXX I activated XXXX  on the new checking account to help me transfer funds from the newly compromised checking account to a new account I opened at XXXX XXXX XXXX I made two XXXX  payments on Wednesday XXXX one for XXXX and a second for $XXXX. Both transactions completed successfully.\n\nThen Friday XXXX I received another phishing attempt from Wells Fargo reporting a XXXX  payment from "checking account" for $XXXX  paid to XXXX XXXX  If I did not recognize the transaction I should call XXXX XXXXObviously (XXXX XXXX is a direct line to the fraud perpetrators.\n\nI saved the email and attachments for you.\n\nHere - again - There is no way this phish could occur without information leaked from Wells Fargo systems.'

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
On XX/XX/year>, and again on XX/XX/year>, I sent formal Debt Validation Letters via certified mail to Cohn , Goldberg & Deutsch , LLC in response to their collection attempt. I requested full validation of the alleged debt, including a signed contract, proof of ownership, itemized accounting, and verification of my personal information and address before litigation. 
The company did not provide proper validation. Instead, they sent only a brief summary that did not include the requested documentation and did not meet FDCPA requirements. Despite this, they filed a lawsuit against me in Maryland District Court using an address I have never lived at or been associated with an address they admitted in court to obtaining through skip tracing.

No lawful service was ever made on me. Their use of unverified third-party address data to file court actions and failure to provide proper debt validation violate the FDCPA, FCRA, Maryland Constitution Article 24, and my consumer rights.

I previously filed a CFPB complaint on XX/XX/year> ( Case # XXXX ) regarding these same violations. Despite the CFPB process and my dispute, the company continued to pursue litigation without providing lawful debt validation or correcting their use of an unverified address. This demonstrates an ongoing pattern of noncompliance and disregard for consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: MD

Complaint narrative:
In XX/XX/XXXX, I purchased a solar panel system for my townhouse. After calculating the numbers, I believed it would help me save money on my electric bill. The vendor assured me that I would have 100 % energy coverage and receive a 30 % tax refund if I applied for the solar panel benefit. He also claimed this would not be reported to my credit report. 

He explained that my payment for the first 18 months would be \ {$140.00}, and if I did not pay back the 30 % refund, my monthly payment would increase to \ {$180.00}. Later, I discovered that none of this was true. When I applied for a HELOC, I saw that the account had been reported to my credit. I also learned that the 30 % refund they mentioned was actually a tax credit, meaning I would not receive any money back directly. 

On XX/XX/XXXX, I called Mosaic and spoke with XXXX, who informed me that after 18 months my monthly payment would actually increase to {$200.00}. I panicked and asked her to send me a statement with the amortization schedule, but I never received it. Instead, they told me to access the information on a website I could never log into. I called several more times, but still received no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-09 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: SC

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 2025-08-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
CREDITOR : SPEEDY CASH XXXX XXXX XXXX. 



CASE NO : XXXX Attention, AMOUNT OUTSTANDING : {$1900.00} This Proceeding issued on you Docket No : XXXX with SPEEDY CASH XXXX XXXX XXXXXXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 



We had sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time. Now, its high time if you fail to respond in the next 12 HOURS, we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages will be confiscated. 



We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 



Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. 



This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 



By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

We have settlement amount for you with easy Monthly and One-time settlement amount option. 



1. If you can make a one-time payment of {$1300.00} ( same day payment ) we can close your case file with this amount only.

2. If you are looking for monthly payment, then you have to pay the total amount of {$1900.00} with payment arrangement and you can pay {$320.00} bi-weekly till paid in full.

- IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT XXXX XXXX XXXX XXXX.speedycashXXXX.com Regards, Speedy Cash Legal Group of Attorneys . 
Copyright XXXX Speedy Cash Legal Group of Attorneys | Privacy | Terms of use | XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX statement notice from Barclays : Your minimum payment due on XX/XX/year> is {$270.00}. This includes {$110.00}, which is your past due amount from XX/XX/year>. 

I called customer service on XX/XX/XXXX, but the rep did not understand why I thought I was late because he saw my payment. I explained I am reading from my XXXXtatement.

I then used Chat on the Barclays app to see if that would help & to have a record of the interaction. 

From Barclays Customer Service on Chat : XXXX, XX/XX/XXXX at XXXX XXXX Thank you for waiting. Upon reviewing your account, we can confirm that the payment you made of {$110.00} was received on XX/XX/year>, and has already been posted to your account. We have recently identified that the account reflect a past due status even a payment has already made on the account. We are very sorry for this experience. We are working to resolve this issue as soon as possible and appreciate your patience while we do so. 

They did not resolve the issue and then they reported my account 30 days past due to the credit bureaus. I again called and chatted with customer service. 

Saturday, XX/XX/XXXX aXXXX XXXX XXXX  But after research I see that payment was made and did post. It appears it was a mistake.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Self Financial Inc.
State: AL

Complaint narrative:
Fraud accounts on credit report I did not authorize use of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts.These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX  Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$45.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, 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
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts.These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX  Balance : {$1500.00}, XXXX XXXX XXXX XXXX Balance : {$45.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, 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 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 2025-08-11 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: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CT

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 2025-08-09 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XX/XX/XXXX NQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  TransUnion, XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
Attached is the FTC report for unauthorized and unverified accounts on my credit report along with my Equifax data breach claim ID. Remove the following account from my credit report immediately : 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 XXXXXXXX

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 2025-08-09 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: SC

Complaint narrative:
I am a victim of identity theft. Someone has used my person information to open up these fraudulent accounts. I have never gave anyone permission to open these accounts in my name without my authorization or consent. This has really affected my ability to provide properly for my family. Inquiries are 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