vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My account was closed suddenly and I was unable to access or withdraw any money and haven't been able to until The bank sends me a bank check on XX/XX/XXXX. I spoke to someone at the bank and asked if I can withdraw my money because I have bills and if I don't pay my truck payment, it will get repossessed and that will snowball into financial disaster for me and destroy my life. 
I found out yesterday that the person I spoke to last week was able to get me approval to withdraw the money but it expired because I was never notified or told it was approved. 
I called today and I spoke to 2 woman who were the most rude and unprofessional banking professionals I have ever spoken to. They basically told me " too bad '' and that they can send me to a supervisor but she will say the same thing and it will be a waste of time. I called back right after hanging up and got the worst bank employee and stone cold evil person who told me I don't have to accept it but that's it after I said I can't accept that because I will have my life destroyed if I don't have access to that money today.

I had a great experience with Wells Fargo up until I spoke to these 2 Woman. I feel I was discriminated against because I am a white male and a business owner. I will be calling the investigative news channel after this to have them investigate and look into these 2 Woman and the racial and gender discrimination at Wells Fargo. 

I need you to know I have never ever filed any complaints until recently and the only complaints I have are with Banks because they do whatever they want and get away with it and they destroy lives and don't care. Something needs to be done about this.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Transunion and Equifax have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against these companies, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences regarding student loan account reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
My payment should be like XXXX max under my payment plan. I had to refile my taxes as married filing separately after the initial submission. This was completed, I paid my taxes for 2024, everything was accepted and approved for the refile. However, when recertifying my plan, the servicer has used the old / incorrect return for XXXXx pushing my repayment plan to like XXXX a month. 

I took out a XXXX loan to pay building an ADU for my father on XXXX. I took this loan out with the maximum payment for my student loan calculated/ factored into the scenario. That maximum payment was supposed to be XXXX. 

The servicer refuses to correct the payment amount or place my account on forbearance even though I literally am going to have to choose between being able to make my mortgage payment and my student loan payment in the next month.

Offering income based repayment was something in my promissory note. Because they are not honoring their promissory note, they're going to be able to garnish my paycheck and ultimately take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally file a complaint against Chime Bank regarding unauthorized transactions on my account and their subsequent handling of my dispute. I have identified four unauthorized transactions totaling the amounts of {$120.00}, {$140.00}, {$700.00}, and {$500.00}. These charges were not authorized by me, and I immediately contacted Chime Bank to report these discrepancies.

Despite their advertised zero liability policy for unauthorized or fraudulent transactions, Chime Bank has not accepted my dispute in a timely or effective manner. They have indicated that I am eligible for credits related to these transactions ; however, no credits have been applied to my account, nor have I received any information regarding the status of their investigation. Additionally, I have not been provided with temporary credit during the investigation period, which I understand is a requirement under Regulation E.

I am deeply frustrated with the handling of my case. I believe that Chime Bank is acting in bad faith by failing to adhere to the protections guaranteed to consumers under Regulation E. Moreover, I feel that the banks actions may be influenced by bias, as I am a minority, which only exacerbates my distress in this matter.

Given these circumstances, I respectfully request that the CFPB review my complaint and intervene to ensure that Chime Bank complies with all applicable regulations and provides a fair resolution. I am seeking prompt investigation into the unauthorized transactions, the application of the appropriate credits, and an explanation for the banks failure to provide temporary credit during their review process. 

Thank you for your attention to this matter. I look forward to your response and the appropriate steps being taken to resolve this issue. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX**********XXXX XXXX XXXXXX/XX/XXXX - {$25.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$440.00} XXXX  - XXXX XXXX XX/XX/XXXX - {$570.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$480.00} XXXX  - XXXX - XX/XX/XXXX - {$190.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX - XXXX - XX/XX/XXXX - {$1700.00} INQUIRIES : 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 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 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, AL XXXX ( XXXX ) XXXX XXXX XX/XX/2025 Equifax Subject : Formal Dispute of Inaccurate Personal Information under the Fair Credit Reporting Act ( FCRA ) Equifax, I am writing to formally dispute the inaccurate personal information that appears on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute any incorrect or unverifiable information, and you are required by law to conduct a reasonable investigation and correct or remove any inaccurate or unverified data.

Inaccurate Information on My Credit Report 1. Incorrect Address : I have noticed multiple incorrect addresses listed on my credit file. These addresses are not associated with me, and I request their immediate removal : Incorrect Address to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Correct Address to Be Added : XXXXXXXX XXXX XXXXXXXX XXXX, AL XXXX 2. Incorrect Employers : Additionally, my credit report lists incorrect employment information. Under the FCRA ( 15 U.S.C. 1681c ), credit bureaus are required to ensure the accuracy of consumer reports. The following employers should be removed as they are incorrect and not associated with me : Incorrect Employers to Be Removed : VA BENEFITS SOCIAL SEC I request that all employer information be removed from my credit report, as employment history is not required for credit reporting purposes.

Legal Basis for My Request Under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), credit bureaus must investigate disputed information within 30 days and remove or correct any inaccurate, incomplete, or unverifiable information. Failing to do so is a violation of federal law.

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in consumer reports. Allowing false personal data to remain on my file is a direct violation of this provision.

Requested Action I request that you : Remove all incorrect addresses and employers listed above.

Update my credit file with my correct address.

Provide written confirmation that these corrections have been made.

I have attached copies of my government-issued ID and a recent utility bill as proof of my correct address. If these errors are not corrected within t
he legally required 30-day period, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please confirm the corrections in writing at your earliest convenience. If you need additional information, you may contact me at the details above.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: SC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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 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 2025-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and USAA are responsible for and culpable for initiating a fraudulent ACH WITHDRAWAL from my USAA checking account, & with NSF funding an unauthorized Market Trust Annuity account in my name. ACH withdrawal ( {$5000.00} ) from a XXXX balance USAA acct. ( XXXX, anyone? ) For a year this acct was active. After a week 's worth of trying to get an answer, this account has remained active while XXXX XXXX XXXX, continues to willfully withhold acct communication, forging my name on documents, accessing my social security account to issue a fraudulent XXXX, and finally, after being made aware of all of this made NO steps to correct, reverse, and take accountability. 
As of XX/XX/year>, the XXXX XXXX XXXX is indeed still open, active, and investing. No one will answer my questions, instead brush off my demands by assigning responsibility to XXXX, who points at XXXX XXXX, who says XXXX is the company that handles the acct, etc. This is outright fraud, and they are actively using " XXXX dollars from. XXXX '' but showing they got the $ XXXX ACH withdrawal from a XXXX  account. How are they trading, making investments with literally FAKE MONEY THEY NEVER HAD? USAA will not respond to me either.

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 2025-03-21 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: MD

Complaint narrative:
Under FCRA 605B ( 15 USC 1681c-2 ), I am requesting the immediate blocking and removal of fraudulent accounts and inquiries from my credit report. These resulted from identity theft, the XXXX data breach, and fraud. I have attached my FTC Identity Theft Report as proof. These items must be removed within XXXX ( XXXX ) business days 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 explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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

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