vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX ExperianXXXX XXXX XXXXXXXX, XXXX, TX XXXX Re : Demand to Cease Sale or Sharing of My Personal Information / Possible Identity Theft To Whom It May Concern : I am writing to formally notify your agency that I do not authorize the sale, sharing, distribution, or external dissemination of any of my personal information. I have reason to believe that my personal data may have been shared or sold without my explicit consent, which I consider a violation of my privacy rights and a potential form of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), as well as applicable state privacy and consumer protection laws, I am exercising my right to limit, restrict, and opt out of the sale or sharing of my personal information. This includes, but is not limited to : * Consumer data shared with third-party marketers, data brokers, or affiliates * Prescreened credit or insurance offers * Any non-essential or non-permissible use of my consumer file I am formally demanding the following actions : 1. Immediately cease the sale, sharing, or disclosure of my personal information to any third party.

2. Remove my name and information from all prescreened or promotional lists.

3. Provide written confirmation that you have processed and completed my opt-out request.

4. Investigate any potential unauthorized access, sharing, or misuse of my personal identifying information.

The right to refuse the sharing and selling of your personal information in Tennessee is primarily protected by the Tennessee Information Protection Act ( TIPA ), a state law that gives consumers the right to opt out of the sale of their personal data. This is reinforced by Tennessee Code 47-18-2109, which allows for placing a security freeze on your credit report, preventing its release without your express authorization.

Please consider this letter a standing and permanent opt-out request. I expect written confirmation of the actions taken within the time frame required by law.

If you require identity verification, please inform me in writing of the exact documents needed, and I will provide them securely. 
Thank you for your prompt attention to this urgent matter. I look forward to your confirmation.

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 2025-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Amigos Préstamos
State: AZ

Complaint narrative:
The company Amigos Prestamos ( CA & SA Financial Inc ) illegally contacted a third party about my debt. They texted a full copy of my court judgment, including my name, address, case number, and balance owed, directly to my mother without my permission. This is a violation of the FDCPA ( 15 U.S.C. 1692c ( b ) ). They disclosed private financial and legal information and caused emotional distress and embarrassment. I did not authorize any contact with my family, and they have no legal reason to send my judgment to another person. I want this issue investigated because this is a serious privacy violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

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 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 2025-11-21 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: WA

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
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 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 XXXX XXXX Balance {$3500.00} Original creditor XXXX XXXX XXXX XXXX Balance {$2800.00} Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} Original creditor FARMERS PROPERTYRECE XXXX Balance {$1200.00} Original creditor XXXX XXXX XXXX XXXX Balance {$1100.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$600.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Ct, Federal Way, WA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX JPMCB XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX : {$700.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Ct XXXX, XXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED UNAUTHORIZED ACCOUNTS AS WELL AS MULTIPLE INQUIRES THAT I DID NOT AUTHORIZE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Hello, on XX/XX/XXXX or XXXX I had a friend ask me if I would mind sending her {$20.00} for gas and I agreed with doing it, our normal way to send money to each other is Cash App of which my debit card is tied to, so on this day when I went to Cash App I typed XXXX, however I was also in the middle of an all company meeting as well, so unbeknownst to me I actually typed XXXX again not realizing it now showed {$2000.00} being sent to her for gas so the payment went through on Cash Apps side and there was no option for me to recall it or quickly cancel it as soon as it showed me I sent {$2000.00}! So I immediately called my friend asking for her to send it back, little did I know thought that her Cash App balance was current negative {$1800.00} or so, and so when the {$2000.00} went into her account XXXX XXXX took it to bring her balance up to {$0.00} and she wasnt able to send it back, so I then called Cash App and have submitted a dispute I then ALSO called my bank Wells Fargo, maybe XXXX minutes after this happened, I spoke with customer service asking them to cancel the payment since on my banks side it showed as pending my claim with Wells Fargo was then put in, and this is where my issue lies, for my bank who is supposed to have my back to tell me this morning my dispute claim was denied is crazy!! I have proof I submitted the Cash App dispute and proof of my friends negative account balance I just dont understand what else I could do here but I dont believe this is fair in any way! I work VERY hard for the money I earn and XXXX not just about to say oh well I guess Ive lost {$2000.00}! So please XXXX BEGGING you to please help me get this claim reopened or whatever even if I can just be reimbursed I will change banks and NEVER use Wells Fargo for ANYTHING EVER AGAIN they shouldnt be in business if this is how they treat their customers, for a bank federally insured to not help me recoup my {$2000.00} is bad customer service and this is not the first time they have screwed me over either so as the CFPB your my only option to get Wells Fargo to do the right thing

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
XXXX XXXX has an item on my credit report regarding the above-mentioned debt. However, I did not authorize the transfer of this debt from any XXXX. There was no agreement made by me for this transfer, nor did I receive notification that my debt would be sold to a third party. 

To my knowledge, I have not received any formal communication from either creditor informing me of this transfer, which I believe violates my rights under the Fair Debt Collection Practices Act. I am requesting verification of this debt and clarification of the circumstances surrounding its transfer, as I believe I should have been informed prior to such an action

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NV

Complaint narrative:
I am reviewing my credit report and noticed that XXXX Department XXXX XXXX account XXXX XXXX XXXX late ( XXXX ). According to the Fair Credit Reporting Act, reporting should reflect accurate and complete payment history. 

The account shows multiple XXXX day late entries, but no XXXX or XXXX late entries are reported, which is misleading because credit reporting is expected to reflect progressive delinquencies. 

I request that the reporting of XXXX day late entries be corrected or removed, or that the reporting reflects the proper XXXX progression, to ensure my credit report is accurate and complete.

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 2025-11-21 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-21 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:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-21 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: WA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. 
XXXX XXXX ( Account XXXX. XXXX ), showing a balance of {$35000.00}, contains inaccurate and misleading late payment. 


Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed unauthorized inquiries on my report XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/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 2025-11-21 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am a victim of identity theft. Bank XXXX XXXX is inaccurately reporting a fraudulent account to ChexSystems under my name. 

The XXXX report shows the following item : Bank : Bank XXXX XXXX Account ending : XXXX RTN : XXXX Closure Date : XX/XX/year> Reason Listed : XXXX XXXX Activity Status : Settled in Full Reported Name : XXXX XXXX XXXX XXXX ID : XXXX I did not open, authorize, or use this account. It is the result of identity theft. I provided XXXX  and Bank XXXX XXXX with : FTC Identity Theft Affidavit Copy of my drivers license Proof of address Copy of the XXXX report showing the fraudulent entry Despite this, Bank XXXX XXXX verified the account as accurate. This is incorrect and violates FCRA 623 ( a ) ( 6 ) and FCRA 605B which requires blocking of identity theft information. This false fraud code is preventing me from opening a bank account in Georgia and causing financial harm.

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 2025-11-21 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am a long-term Wells Fargo XXXX XXXX over 20 years with both personal and business accounts. Over the last 12 months, Wells Fargo has charged an extremely high number of overdraft and negative balance fees on my accounts at least XXXX fees across all accounts totaling several XXXX dollars. Many of these fees were charged in clusters and appeared to stack on top of each other. 

My personal accounts were hit with so many fees that I was forced to close them earlier this year. I went into the branch and also called customer service multiple times, but I was denied any meaningful review or assistance. I was told nothing could be done even though the fees were causing serious financial hardship. 

Now the same issue is happening on my Wells Fargo business account. In the last XXXX weeks alone ( from approximately XX/XX/XXXX through XX/XX/year> ), I have been charged around XXXX overdraft fees at {$35.00} each. Many days show multiple overdraft fees in a row, often triggered by small transactions. My business account is currently negative due to continuous fee stacking. 

I have made repeated attempts to resolve these issues with Wells Fargo XXXX, both by phone and in person. I was told that no fees could be refunded, even though the frequency and pattern of the fees have made it impossible to catch up. These repeated fees have severely harmed my finances, impacted my business cash flow, and continue to accumulate. 

I am requesting a complete review and refund of overdraft and negative balance fees on both my closed personal accounts and my current business account. The pattern of fees appears excessive, unfair, and harmful, and I am asking for assistance because Wells Fargo has refused to address this issue through normal customer service channels.

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