vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Filed credit card fraud ( and police report ) with XXXXXXXX XXXX 

Transaction period XXXX. XXXX transactions. 

After many calls and attempts at reconciliations, I was provided a lot of different numbers about the overall approved claim. Finally, the {$8700.00} claim was approved. 

Wells Fargo bank sent packets of paper ( more than XXXX pages ) three times that did not include the entire fraud period, specifically missing XX/XX/year>. 

A rep has told me that they. merely " hit the button to resend '' the paper packet of transactions. 

No ability to use the system to request a banker within XXXX miles of my city in XXXX, Ohio because Wells Fargo closed down all of the branches. 

The rep told me, specifically, that she did not have the ability to send any digital records ( in any format ) of the transactions of this period or these reimbursements. 

Under the Electronic Fund Transfer Act ( EFTA ), I have a legal right to those records, and have been denied those records. 

I also have no clear reconciliation of the reimbursements of that approved fraud claim, {$8700.00}. 

The paperwork sent to me by Wells Fargo is not inclusive of all of the transactions of the fraud and has required me to sign off on them. I have never signed it because it has not been inclusive of all of the fraud transactions. 

I've had more than XXXX phone calls into the fraud department to accurately approve the fraud claim, reconcile the reimbursements, and have been passed on to XXXX XXXX and XXXX XXXX customer support as well as have had 2 representatives from the Executive Team at Wells Fargo who have tried to support the fraud team but have also encountered issues with disparate, missing, or misinformation that causes process issues for reimbursing fraud claims of this size.

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 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/2025 I applied for an American Express credit card while purchasing airline tickets from XXXX. The offer was a {$500.00} credit and XXXX bonus miles if you make a XXXX purchase. This credit was supposed to be done after 8-12 weeks of the purchase but I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-18 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: AL

Complaint narrative:
YOU ARE HEREBY PUT ON NOTICE You have 30 days to from thee receipt of this letter to reinvestigate and remove any inaccurate information from my credit report. 

legal Grounds for Removal : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of information in their consumer report with a consumer reporting agency ( CRA ), the CRA must reinvestigate the disputed information. This reinvestigation must be conducted free of charge. The CRA must record the current status of the disputed information or delete it if it's found to be inaccurate or unverifiable. 

Disputed Account information : XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$70.00} written off. 
XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 

XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$780.00} written off. 
XXXX Date opened XX/XX/XXXX XXXX {$540.00} Status Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
XXXX  Date opened XX/XX/XXXX XXXX {$2600.00} Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date opened XX/XX/XXXX Balance {$1100.00} Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$840.00} Status Account charged off. {$840.00} written off. {$840.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Account charged off. {$15000.00} written off. 


XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC
State: CA

Complaint narrative:
A few weeks ago, I was notified by XXXX and XXXX XXXX that a debt that I was not aware of was sent to collection by XXXX who used MRS BPO LLC as the collector. I was not aware of this debt until a few weeks ago when I was sent a notification by XXXX to check a new negative report on my credit. This report claimed that XXXX sent my debt of {$120.00} to a collection agency named MRS BPO LLC. I was never notified of this debt by XXXX or any collection agency. I do not have any calls, emails, or anything else notifying me of this owed debt. After speaking with XXXX  on XX/XX/25 they told me they have received all the equipment they had asked me to return on time. The XXXX rep I spoke to on the phone said he has no idea what the {$120.00} is for and has no notes in his system regarding my account either. I paid the {$120.00} in full and followed the agents advice by submitting a support ticket regarding this debt. My credit has gone down around XXXX points due to this irresponsibly by XXXX and whatever collection agency this debt was assigned to by not notifying me of this problem. The XXXX agent also said they have XXXX delinquency notes on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX order never recieved. Been going back and fourth to get resolved refund has not been resolve or issue havent been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MOHELA
State: IL

Complaint narrative:
I am writing to formally dispute several Signature Student Loans associated with my name, reportedly connected to my enrollment at XXXX XXXX  in a XXXX XXXX XXXX to lead to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( such as XXXX  or XXXX XXXX XXXX ). 
At the time these loans were initiated, I had XXXX XXXX XXXX XXXX XXXX  on my record, including a XXXX XXXX XXXX XXXX XXXX which occurred in XXXX. These XXXX, as well as others from nearly XXXX  years ago, legally and practically disqualified me from obtaining licensure or security clearance for the type of work I was studying for. 
This means I was ineligible for employment in the field tied to the education financed by these loans particularly employment with agencies such as : XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requiring a clean record and clearance Misrepresentation and Failure to Screen Despite this, the school and loan originators certified my eligibility and signed off on loans without regard to the fact that : I could not legally work in the field my degree would prepare me for I would be unable to obtain XXXX XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never informed by the institution or lender that my record would make me ineligible to benefit from the education I was receiving This failure to screen or disclose critical disqualifying facts amounts to false certification, misrepresentation, and possibly predatory lending especially since my XXXX XXXX was easily discoverable and I was actively seeking XXXX  at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
All of this happened on XX/XX/year> when I click on a funiture website to browse all of a sudden I get a XXXX freeze on my computer and was instructed to call XXXX regarding the freeze on my laptop. So I panicked and did that... I started talking to someone name XXXX XXXX at XXXX he explained to me all the fraud that was going on with my laptop supposedly people were stealing and using my information like my debit cards my online banking etc.. So he told me to give him the number to contact my bank.. I did and someone named XXXX XXXX supposedly a capitol one worker claimed that he also so purchases in different countries etc.. He even went as far and asked if XXXX XXXX was who he said he was. He claimed he checked him out to verfiy he was. To speed things up I was told that it would take at least 2 weeks by XXXX XXXX to secue my capitol one account. 7 days by XXXX XXXX to secure my laptop and devices. here we are on week 3... And it excuse after excuse. Not only that I was conviened to move my funds to a secure account .. until they fixed the capitol one account... coinbase to be exact... they had me different things to secure the funds... I constantly questioned these things they assured me that everything was safe. Ive never been in this situation before so my fear had my coorperating. but after I started getting told different dates for my funds being available and fewer calls and responses from both I started getting more suspicious. Now I think the whole thing is suspicious. the had use and download something called a XXXX XXXX that allows someone else to remotley use your devices... Yes I it all sounds suspicious but i was so stressed that I didnt catch it quick enough... Please help with this I dont know what else to do. i Have or had {$8000.00} in my account that was transfered to coin base ... plus alot of my information they have because of the app like emails as and paypal and possibly ssn Im not quite sure phone number for XXXX XXXX XXXX XXXX and XXXX XXXX capital one XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
I have setup XXXX  for my account so that I do not have to keep driving to the bank to get money and deposit in other accounts. I am having mobility issues and even getting to the bank is challenging for me. The bank is not sending me an approval text when I try to send money with XXXX. I have been to the branch, I have called the XXXX number, I have been transferred to the XXXX staff and still not working. I have been told to wait XXXX hours and still not working. The XXXX  of the issue is the bank is not sending me the text to approve the XXXX  transaction. I have permitted texts to be received on my online profile and the bank did send me a text confirming the acceptance of text messages. But my XXXX  request does not send an approval text. I have spoken to both the XXXX number and the branch in person. The XXXX  is not working for me.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-18 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion 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. These fraudulent accounts consist of an account opened at XXXX  XXXX XXXX opened XX/XX/XXXX, XXXX  XXXX opened XX/XX/XXXX, XXXX  XXXX opened XX/XX/XXXX, XXXX  XXXX XXXX XXXX opened XX/XX/XXXX, XXXX  XXXX opened XX/XX/XXXX, XXXX  XXXX opened XX/XX/XXXX, XXXX  XXXX XXXX XXXX opened XX/XX/XXXX, and XXXX  XXXX XXXX opened XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard Inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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 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