vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
XXXXI am submitting this formal complaint against Wells Fargo Bank, N.A. and XXXXXXXX XXXX concerning the unresolved status of a returned transaction amounting to XXXXXXXX, which has been left in limbo due to contradictory statements from both institutions.\n\nBackground\n\nMy name is XXXX XXXX (XXXX  citizen, SSN: XXXX former seasonal worker in the XXXX). I held a Wells Fargo checking account ending in XXXX, opened in XXXX, Alaska.\n\nOn XXXX XXXX XXXX, a U.S. federal tax refund of XXXXXXXX  was deposited into my account, bringing the total balance to XXXX XXXX XXXX XXXX my brother, XXXX XXXX  (a U.S. resident and XXXX  account holder, Plus Account No. XXXX), used his XXXX  account to initiate a transfer of the full balance ($XXXX) from my Wells Fargo account to me in XXXX.\n\nThe transaction was canceled by XXXX  due to security concerns, and the funds were said to have been returned to Wells Fargo.\n\nContradictory Information\n\XXXX  representatives (Case No. XXXX) assured us on XXXX XXXX XXXX that the XXXX  was returned to Wells Fargo.\n\nWells Fargo (Case No. XXXX, dated XXXX XXXX XXXX confirmed that after my account was closed on XXXX XXXX the funds were sent back to XXXX  on XXXX XXXX XXXX.\n\nAs a result, each institution claims that the funds were returned to the other, creating an unclear ping-pong situation where I, as the rightful owner of the funds, remain without access to my legally earned income.\n\nRequest for Action\n\nI respectfully request that CFPB investigates this matter and ensures that:\n\XXXX  and Wells Fargo provide documented proof of the transaction route, including reference/trace IDs for the refund.\n\nThe current location of the funds is determined without further delay.\n\nThe amount of XXXX is reimbursed to me through an appropriate method (bank transfer, bank draft, or other secure channel).\n\nImpact\n\nThese funds represent income earned lawfully during my U.S. employment. The ongoing uncertainty has caused significant financial and emotional distress to me and my family. Despite multiple attempts to resolve this with both institutions, the case remains unresolved.\n\nWho is involved?\n\n- XXXX XXXX (beneficiary, former Wells Fargo account holder)\n- XXXX XXXX (sender, XXXX  account holder)\n- Wells Fargo Bank, N.A.\n- XXXX  International\n\nContact Information\n\nComplainant:\n\nName: XXXX XXXX\nEmail: XXXX XXXX XXXX XXXX XXXXAddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXTransaction initiator (supporting party):\n\nNameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  USA\n\nThank you for your attention to this matter. I kindly ask for your intervention to help resolve this ongoing issue and ensure the safe recovery of my funds.\n\nSincerely,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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
XX/XX/XXXX I was summoned to court for a non payment to XXXX XXXX located in XXXX KY I attended the court date the judge ruled in my favor I have uploaded the document to XXXX several times and they say the debt is valid when this a Thrid party collection agency who did not have my permission to use personal information from a public data base prior to court date and they placed it as a debt owed in XX/XX/XXXX No Thrid party collection agency was needed when at the time of court XXXX XXXX was represented by their lawyer and my case was dismissed without prejudice meaning they lawfully could not place this debt on me Im just wanting it removed I never in life has had an eviction on my record or ever owed any residence I have resided at

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
b'Dear Federal Financial  Commission,\n\nI am writing to file a formal complaint against Citibank for unjustly blocking access to my personal account and withholding funds that are critical to my livelihood and caregiving responsibilities.\n\nI had set up direct deposit through XXXX XXXX XXXX, and Citibank received two paychecks. Despite this, they have restricted access to my account and I have not been able to retrieve these funds. Citibank claims they sent a letter explaining the situation, but I have not received any such communication  neither by mail nor electronically  despite verifying my contact information multiple times.\n\nThis has placed me in severe financial distress. I am now behind on essential bills and struggling to support my daughter, who is XXXX  and requires consistent care and resources. Citibanks actions have not only disrupted my financial stability but have also jeopardized my ability to provide for my childs needs.\n\nI believe this conduct may constitute unfair and deceptive practices, and I respectfully request that the FTC investigate Citibanks handling of this matter. I am prepared to provide documentation, including account details, deposit records, and communication logs, to support my complaint.\n\nThank you for your attention and support.\n\nSincerelyXXXX 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 monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I filed disputes with TransUnion regarding accounts that are inaccurate and fraudulent, as I do not recognize or owe them. To support my dispute, I attached an FTC Identity Theft Report and explained that these accounts were the result of identity theft. Despite these efforts, TransUnion continues to report the disputed accounts, failing to take corrective action as required by 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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there .. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2025-08-29 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there .. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2025-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank ( CareCredit ) first use : XX/XX/XXXX for approx. {$18000.00}. Synchrony told me returned mail had been occurring since XX/XX/XXXX but they did not correct my address or contact me. They now state I enrolled in paperless billing in XX/XX/XXXX ; when I requested E-Sign consent proof, they could not provide IP address, timestamp, or login record. I therefore did not receive effective billing statements or notice of the promotional payoff deadline. 
In XX/XX/XXXX Synchrony applied retroactive/deferred interest to the full {$18000.00}, adding thousands in charges. I had the ability and intent to pay in full if properly notified. 
This appears non-compliant with XXXX XXXX ( periodic statements ) and the E-Sign Act ( consent records ). Please ask Synchrony to remove the retroactive interest or restore the promo terms. If corrected, I will pay the remaining principal in full and close the account.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from 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 explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: CA

Complaint narrative:
I believe the account is invalid. JEFFERSON CAPITAL SYSTEM needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. JEFFCAPSYS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$13000.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$740.00} Account Name : XXXX XXXX, XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$640.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$310.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$790.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1600.00} INQUIRIES : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: D&A Services, LLC
State: CA

Complaint narrative:
My house was robbed 3 times and the last time my credit cards, identification, wallet, and my passport along with all my paperwork such as birth certificates and social security cards were taken. Its saying I owe money on this card, I was using it and was making monthly payments. Then the card was maxed out and I was still paying every month on it. Im not sure why its saying I owe so much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from 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 2025-08-29 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXXXXXX XXXX XXXX  BALANCE {$10000.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME XXXX XXXX XXXX XXXX XXXX BALANCE {$1400.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME XXXXXXXX XXXX XXXXXXXX BALANCE {$730.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME XXXX XXXX BALANCE {$2200.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME XXXX XXXX BALANCE {$380.00} DATE OPENED 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 explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXXXXXX XXXX XXXX  BALANCE {$10000.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME XXXX XXXX XXXX XXXX XXXX BALANCE {$1400.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME XXXXXXXX XXXX XXXXXXXX BALANCE {$730.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME XXXX XXXX BALANCE {$2200.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME XXXX XXXX BALANCE {$380.00} DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Subject : Request for Immediate Removal of Inaccurate Information Under FCRA 623 ( a ) ( 8 ) Dear Early Warnings, I am writing to formally dispute the accuracy of certain information on my credit report as provided by your agency. As a victim of fraud, I believe the listed accounts are inaccurate and not reflective of my credit history. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX - Open Date : XX/XX/year> According to the Fair Credit Reporting Act, I have the right to request verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately. Please investigate this matter and provide me with a response as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief