vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
I am filing this complaint because Wells Fargo reversed a provisional credit and closed my unauthorized-transaction claim despite the fact my phone was stolen and I did not authorize the transfers. 

Timeline & facts : I discovered the theft on XX/XX/year>, of my personal items of my debit card and cell phone. 
I filed an unauthorized transaction dispute with Wells Fargo on XX/XX/year> ( Dispute filing date ). 
Wells Fargo issued provisional credit for {$620.00} on XX/XX/year> while they investigated. 
On XX/XX/year>, Wells Fargo sent me a letter stating they were reversing the provisional credit and closing the case, claiming the card was in my possession at the time of the transactions. That statement is false. My device was stolen and a third party used my XXXX XXXX on the stolen device. 
I appealed the decision with Wells Fargo and submitted a written dispute to XXXX XXXX explaining that a security lock on the device does not equal my authorization. I have not received any substantive proof from Wells Fargo or XXXX XXXX that I authorized the transactions. XXXX XXXX estimate for an update is XX/XX/year>, which misses the Regulation E deadline. 

Why this is wrong : Regulation E protects consumers from unauthorized electronic fund transfers. Authorization requires my consent, not mere access to a stolen device. A security lock or device possession by someone else does not prove I consented. 
Wells Fargos conclusion that the card was in my possession is factually incorrect and not supported by any evidence they have provided to me. I asked Wells Fargo to provide the exact evidence relied upon, and they have not supplied it.

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 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Subj : XXXX Subject : Formal Demand for Reconsideration of Fraud Determination Account Loss : {$4300.00} To the TD Bank Fraud Investigation Department , This correspondence is a formal demand for reconsideration of your decision denying my fraud claim concerning unauthorized electronic transactions totaling {$4300.00} on my business checking account. 

Your reasoningthat successful online banking logins occurred during the disputed periodfails to meet the standards required under applicable federal regulations governing unauthorized electronic fund transfers. 

Specifically : The mere presence of an online banking login does not constitute authorization. 
Regulation E and related federal guidance make clear that consumers are protected from unauthorized transfers even when credentials are compromised. 
A determination of authorization requires verifiable proof that I conducted or approved the transactionsnot simply that someone logged in. 

I hereby request : 1. A complete reinvestigation of the disputed transactions.

2. A full device and IP-access log for the relevant period.

3. All internal notes, documentation, and data used in your initial determination.

4. A written statement referencing the specific TD Bank policy and federal authority relied upon for the denial. 

If TD Bank fails to address this matter appropriately within 10 business days, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and the New Jersey Department of Banking and Insurance, and will pursue all remedies available under federal law. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: IL

Complaint narrative:
Dear Experian Dispute Department, I am disputing the following fraudulent and inaccurate account reporting under XXXX XXXX XXXX XXXX : Creditor : XXXX XXXX XXXX XXXX Account Type : XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid / Closed Late Payments Reported : XXXX Address Reported : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX I dispute this account under FCRA 609 ( e ) ( identity theft ), 611 ( a ) ( accuracy dispute ), and Metro 2 CRA Reporting Guidelines. I did not open this account, authorize it, use it, or sign ANY contract related to it. 
This is a fraudulent account Additionally, the furnisher ( XXXX XXXX XXXX XXXX ) informed me that this entire account, including late payments, would be removed in XX/XX/XXXX. 

It is now XXXX, and the item is still reporting violating FCRA 623 ( a ) ( duty to report accurate information ). Wrong account ownership Wrong payment history Inaccurate late payments No original creditor listed No terms listed No loan details Conflicting status updates Balance shows Account marked Paid, Closed but still showing derogatory history Credit usage unavailable No permissible purpose Under the FCRA, Experian must reinvestigate this account and delete it if the furnisher can not validate it with complete documentation, including : Original signed credit application Identity verification used at opening Full itemization of charges Payment history records Contract or note If they can not verify this, the tradeline must be deleted immediately per FCRA 611 ( a ) ( 5 ). Inaccuracies include

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 2025-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: NC

Complaint narrative:
I checked this account and I still can not find anything that shows I ever gave this company permission to use my personal information or place anything on my credit. Nothing in my records shows an agreement with them and nothing connects me to the balance they are reporting. They have not shown where they got my details from or any proof that I approved the transfer of my information to them. I should not have a XXXX  XXXX XXXX  balance sitting on my report from a company I never dealt with. This has caused unnecessary harm to my credit and they have not provided one piece of real evidence that I ever had a relationship with them. If they received something from somewhere else that does not automatically make me responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because the credit bureau is reporting an account that has not been properly validated. I requested documentation from the furnisher showing the original agreement, itemized amount, payment history, and chain of custody. This information has not been provided, yet the credit bureau continues to report the account as accurate. 

I dispute this account and can not confirm its validity without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: V and H Portfolio
State: NC

Complaint narrative:
This company called my husband and he gave me their number and I tried to call them to find out what they wanted. The lady was rude and asked me to verify my identification with her. I said I had no idea who she was and she wasnt getting that information and she said that she could not proceed forward with the call. I said fine and the call ended. I later see on my credit report they post their collection on their about a debt they obtain and they have posted it with all kinds of inaccurate data and missing information. Like age of the debt is 1 month old. Maybe thats when they purchased the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: Sunbit, Inc.
State: WI

Complaint narrative:
On XXXX XXXX, 2025 I wrote Sunbit regarding an incorrect charge appearing on my XX/XX/year> statement. Never heard from them so on XXXX XXXX i Followed up. 
On XX/XX/year> they finally acknowledged that they would investigate. On XX/XX/year> they sent XXXX letters dated on the same day. XXXX to acknowledge that they were investigating and XXXX to let me know they were placing the {$30.00} back on my account. I guess they didn't believe me. Today I paid off the account and requested they close it. 
I do not want to do business with a crooked organization that lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I opened a credit card account with Synchrony bank on XX/XX/year> in a store before leaving for out of country. They told me that it will take 5-7 business days to issue the card. I was under the impression after discussion with the associate that I will have a grace period of 28 days to make purchases before getting the statement and a deadline to pay the card will be set in the statement after 28 days of purchases. 

When I came back on XXXX of XXXX from my visit and activated my credit card. I see a late fee of {$30.00} and interest charged of {$2.00} because they didn't generate any statement, however, set a deadline of XX/XX/year> for the purchase made at the time of opening the card on XX/XX/year>. 
I see this practice abusive for a financial institution and they have to be made accountable.

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 2025-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My vehicle was withdrawn on the XX/XX/year> without any notification from my work place and I was only two months past due. 
Santander added an additional XXXX payment, Santander is refusing to allow me to reinstate my loan by paying the past-due amount only. They are demanding a full redemption amount of more {$22000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
am submitting this complaint because my personal information was exposed in a data breach involving TransUnion, Experian, and Equifax. I did not authorize the release or exposure of my information. As a result of the breach, my sensitive datasuch as my name, Social Security number, and other identifying informationmay have been accessed by unauthorized parties. 

I am concerned about potential identity theft, fraud, and long-term harm resulting from this breach. I am requesting that the credit bureaus provide a clear explanation of what happened, what specific information was compromised, and what steps they are taking to protect my data and prevent further misuse. I also request support such as fraudulent accounts be removed that I have supplied on the FTC report, credit monitoring, or any additional protections available or than and not limited to a Freeze or fraud alert I don't want that on my report. 

I want to ensure my information is secured and that the companies take responsibility for addressing the risks created by this breach.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am XXXX XXXX XXXX, an XXXX member of the United States military  and a confirmed victim of identity theft. My personal identifying information was compromised, and several fraudulent accounts, addresses, phone numbers, and hard inquiries have been added to my credit reports without my knowledge or consent. 

I attached my official FTC Identity Theft Report ( # XXXX ), which includes full details of the identity theft. 
Despite providing proper documentation, the credit reporting agencies have failed to block, suppress, and permanently delete the fraudulent information as required under : FCRA 605B ( mandatory blocking of identity theft information ) FCRA 605C ( active-duty military protections ) FCRA 611 ( method of verification & reinsertion rules ) FCRA 623 ( furnisher responsibilities Violations by the Credit Reporting Agencies The bureaus have violated : 1. FCRA 605B Mandatory Blocking Once I submitted my FTC report and supporting ID, the bureaus were required to : Block fraudulent data within 4 business days Delete it from my report Notify furnishers Prevent reinsertion They failed to do so.

2. FCRA 605C Military Suppression Requirements As an active-duty service member, the bureaus must : Add heightened fraud protection Suppress unverifiable information Take immediate action to prevent further harm They failed to do so.

3. FCRA 611 Reinsertion Rules Any deleted data may not be reinserted without proper certification and written notice.

The bureaus have not complied with this process.

4. FCRA 623 Furnisher Violations The furnishers of these fraudulent accounts failed to : Conduct a reasonable investigation Provide accurate 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 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I got a letter from capital one advising I may be eligible for a new credit card with 0 impact to my credit score and when I submit for pre-approval my score dropped by XXXX points my credit score was affected and I dod not want my score to drop this is misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned account, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I gave a deposit of {$220.00} for a dinner. The deposit got cancelled same day through a strange site. I never got the money back into my account. The initial deposit was made XXXX XXXX for {$220.00}. it got cancelled/ refunded at XXXXXXXX XXXX on XXXX by the manager. The refund has not come back to my account. Yet cash app is telling me i received it. Cash app keeps telling me i received the money.on XXXX XXXX because my balance went up. my balance only went up by {$200.00} because my cousin XXXX sent me two payments of {$100.00} because we were at dinner. she then sent me {$50.00}. {$250.00} total that i immediately withdrew. The other {$220.00} that i sent to area restaurant NEVER came back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
On XX/XX/year> I sent a payment, via XXXX, of {$450.00} to a friend who is escaping a XXXX  XXXX situation, she had been using her XXXX prior to me sending this {$450.00}, but once the money was out of my checking account XXXX  put a hold on her XXXX  and would not let her access the funds. I called XXXX telling them that she is driving across the country to california to get away from her XXXX  partner and traveling with her XXXX XXXX XXXX son. They refused to unfreeze her account and refused to send the money back to me. They provided no reason as to why the account is frozen, I have called, she has called with zero resolution or help with this situation and no answers on when the {$450.00} is going to be refunded to me since she no longer will have access to the funds. They left her stranded at a gas station with zero access to her money. She was in an unfamiliar state with her XXXX XXXX XXXX child. This is wrong on SO many levels, that money should be refunded back to me so I can forward it to her another way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this formal complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are being violated through the continued reporting of inaccurate, unverifiable, and outdated information on my consumer credit files. I have identified multiple incorrect addresses appearing on my reports, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I have never lived at or authorized to be reported. The inclusion of these addresses raises significant concerns of identity mismatch, negligent reporting, and possible data contamination. Additionally, there are several accounts being reported inaccurately : Charge-Off accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others are appearing even though I have no knowledge of these accounts, and the furnishers have failed to provide proper validation upon request. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of reported informationyet these accounts remain without verified proof of ownership. Furthermore, multiple late payment entries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are being reported inaccurately because I have never missed or consented to late payment reporting, making this information false, harmful, and misleading. I am also disputing multiple collection accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( two accounts ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which are being reported without original signed contracts, itemized breakdowns, or legal proof of debt, violating FDCPA Section 809 ( a ) and FCRA 602 ( A ) regarding consumer accuracy protections. These continued inaccuracies are causing financial harm, emotional distress, and unlawful barriers to employment, housing, and fair lending opportunities. I am requesting a full investigation, deletion of all unverifiable and inaccurate accounts, removal of fraudulent addresses, and written confirmation once corrections are completed. If the furnishers can not validate with full documentationnot screenshots, not system notesI am demanding immediate deletion as required by 15 U.S.C. 1681i and FCRA 611.

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 2025-11-23 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-22 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal has arbitrarily and unjustifiably closed my account. They are currently holding {$400.00} of my money and have stated that I will not be able to access these funds for 120 days, without providing any clear explanation, evidence, or specific details regarding the alleged unusual activity. I have complied with all policies, and there has been no fraudulent or suspicious activity on my account. PayPals lack of transparency, the unjustified retention of my funds, and their refusal to provide a proper explanation constitute an abuse of their position and are causing financial harm. I am requesting the immediate release of my funds and a formal explanation for the arbitrary closure of my account.

Company response to consumer: Closed with explanation