vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Product : Checking or savings account Fraud or scam & credit reporting Issue : Incorrect information on credit report / identity-theft-related account I am disputing a fraud-related {$5000.00} collection that Wells Fargo and its collection agency placed on my credit reports. 

Summary In XXXX someone gave me a {$5000.00} check that turned out to be counterfeit. I deposited it at a Wells Fargo branch in XXXX XXXX, MN. After the check bounced, Wells Fargo reversed the funds, closed my account, and later charged off the balance. The bank then sold or assigned the alleged debt to a third-party collection agency without notifying me at my correct address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ). 

Key facts & timeline XXXX XXXX {$5000.00} check deposited ; funds were placed on hold, then reversed. 

XXXX I spoke by phone and in person with Wells Fargo representatives several times, explaining that the check was fraudulent and that I owed no money. No written resolution was provided. 

XXXX While checking my credit reports for a business-loan application, I discovered a new {$5000.00} collection tradeline from Wells Fargos collection agency. The tradeline shows an address in XXXX, IL that I have never lived at. 

XXXX I sent Wells Fargo and the collection agency certified disputes under FCRA 623 ( a ) ( 8 ) and FDCPA 809. I provided proof of my correct address and explained the fraud. Both entities either failed to respond meaningfully or simply stated that the debt was verified.

Why this reporting is illegal The debt arises from a counterfeit check and is not mine.

The tradeline lists an incorrect address, violating FCRA 623 ( a ) ( 1 ) ( A ) ( duty to furnish accurate information ). 

I never received the required XXXX debt-validation notice at my correct address, violating 15 U.S.C. 1692g. 

Harm suffered My credit scores dropped sharply, and I was recently denied a small-business loan. 

I have spent significant time, postage, and effort disputing an error Wells Fargo could have corrected in 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 2025-06-20 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: MI

Complaint narrative:
I am a victim of identity theft. Unauthorized accounts were opened in my name without my knowledge or consent, including accounts with ally financial, credit collection servic, XXXX XXXX XXXX XXXX XXXX XXXX. I did not apply for these accounts, nor did I authorize anyone to use my personal information. These accounts were fraudulently opened and used, and I am disputing their validity. I request a full investigation and the removal of these fraudulent accounts from my credit reports. I have filed this identity theft report to document the incident and support all disputes with the credit bureaus and financial institutions involved.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One is reporting a late payment from XXXX, which I dispute as inaccurate and/or unverified. The payment in question was either made on time, within the grace period, or was affected by a processing delay outside of my control. I contacted Capital One on [ insert date ] to request validation of the delinquency and submitted a dispute to the credit bureaus, but no documentation has been provided to support the reporting. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 and 1681i ), furnishers must ensure the accuracy of information and fully investigate disputes. If they can not provide written proof ( such as billing statements or payment history ) that the payment was legitimately late, it must be corrected or deleted. To date, no evidence has been submitted by Capital One to support this negative item. 

I am requesting that this late payment be investigated and removed if unverifiable, in accordance with FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
This notice is to dispute several accounts on my credit report that I did not open. I had no involvement in creating or using these accounts, and I believe they were added due to fraudulent activity. Please investigate and delete these entries as required under 15 U.S. Code 1681g. I am requesting their removal within 15 days. Attached are documents to verify my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am disputing a late payment currently being reported on my credit file. The payment in question was not late, and I can provide documentation proving it was made prior to the due date. I take pride in my consistent payment history and find this entry to be both inaccurate and damaging. I am respectfully requesting that the credit bureaus and the data furnisher investigate this matter and delete the incorrect reporting from my credit file.

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: CA

Complaint narrative:
I opened a Chime account with a promotional offer of receiving up to {$350.00} with qualifying purchases and setting up direct deposit in XXXX. The promotion was as follows : Receive {$100.00} for setting up direct deposit, I completed this and received {$100.00}. Receive up to 10 % on purchases up to {$150.00}, I completed this and received 10 % of what I spent. Receive {$100.00} for completing XXXX purchases totaling {$500.00} or more, which I did but did not receive the {$100.00} bonus. I was to complete all of these requirements 30 days after opening the account. Since I was missing the {$100.00} offer I called Chime on XX/XX/XXXX. They assured me that my issue had been escalated to a different department and that I should receive an email with the resolution. I never received an email or any type of follow up or resolution. I called today XX/XX/XXXX. I spoke to a customer service representative that was investigating the issue, I was on hold for XXXX minutes. The representative came back on the line only to tell me that he had to escalate the issue to a specialty department because they were the only department that can manually credit the account, I was placed on hold and spoke to the representative in the specialty department, the specialty department told me to hold while he investigated the issue to try and credit the account. After waiting for over XXXX minutes, the representative acted like he could not hear me and just hung up. I called back I explained the situation to another customer service representative and the representative told me that he was going to investigate the problem. The representative asked me to email him the email which explained the sign on bonus offer. I did. Again I was on hold for over XXXX minutes only for the representative to come back on the line and tell me that there was no promotion in the system that he can click on to give me the bonus. I explained that this is fraudulent and I asked to speak to a supervisor, I waited another hour, the supervisor got on the phone and she asked me to verify my account which I did. She asked me to explain the situation, I did and in the middle of me speaking she just hung up on me. This is unprofessional and it is is fraud. I tried on multiple occasions to resolve this and I am just being gaslit because they do not want to honor a promotion that they offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I am requestin to delete certain information from my file. The items to be deleted are all in the report. The charge was not made by me ; I am an identity theft victim. I am requesting to delete these items in order to repair my credit report. I have alrady reportd this identity theft to the Federal Trade Commission and have forwaded copies of their Identity Theft Affidavit. Delete the items at your eariest oportunity.

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 2025-06-21 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: IA

Complaint narrative:
I checked my records and saw multiple inaccurate accounts that do not belong to me and are damaging my background

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: CO

Complaint narrative:
I began borrowing from Discover XXXX Loans in XXXX and estimate my total borrowed amount was approximately {$35000.00} {$40000.00}. However, my credit report shows Discover reporting an original loan amount of {$51000.00}. This number appears to reflect accrued interest and capitalized fees, not the actual amount I borrowed, and it misrepresents my credit profile. 

From XX/XX/XXXX to XX/XX/XXXX, I paid approximately {$24000.00} toward these loans. Despite consistent payments, my balance grew to over {$53000.00} by the time I refinanced. Nearly all of my payments went to interest. In XXXX alone, I paid {$7800.00} in interest. Some of my interest rates were as high as 13.49 %. 

I was also offered forbearance by Discover during COVID, but I was not clearly informed that interest would continue to accrue at the same ( or higher ) rates. After forbearance, my required payments increased significantly, and my overall balance ballooned instead of decreasing. 

I requested my full loan file from Discover in XX/XX/XXXX and expect it by XX/XX/XXXX. I am asking the CFPB to review : The falsely reported original loan amount Discovers interest practices and disclosures during forbearance The lack of income-based repayment options for private loans Im seeking correction of my credit report and support in pursuing fair resolution of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc.
State: TX

Complaint narrative:
I previously submitted CFPB Complaint XXXX XXXXXXXX against Keynote Consulting regarding a disputed debt for {$2000.00} related to Events & Adventures.

Although the company responded, their documentation failed to validate the debt under 15 U.S. Code 1692g ( b ). They acknowledged the dispute but continued reporting the account as seriously past due to XXXX XXXX XXXX XXXX.

This ongoing reporting is inaccurate and violates my rights under 15 U.S. Code 1681i and 1681s-2 ( b ). The debt is not legally validated and should not be reported as a delinquent account. I provided proof of cancellation and dispute in the original complaint. The bureaus have failed to remove this harmful information despite being notified.

I am requesting the Consumer Financial Protection Bureau to hold the credit reporting agencies accountable for continuing to report unverifiable and disputed information.

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 2025-06-21 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: GA

Complaint narrative:
After carefully reviewing my credit report, I identified several accounts that I did not open, authorize, or apply for. Further investigation revealed that my personal information was compromised in multiple data breaches, which may have led to the fraudulent use of my identity.

I have no recollection of initiating any of the accounts in question. These accounts are inaccurately reporting under my name and are negatively impacting my credit profile. Pursuant to 15 U.S.C. 1681c-2, any fraudulent accounts resulting from identity theftwithout my authorization or any signed contractmust be blocked and removed from my credit report within four ( 4 ) business days of receipt of this request. 

These accounts are not only harming my credit standing but are also causing undue emotional distress. I have no affiliation or responsibility for them and urgently demand their immediate removal to prevent further damage to my financial health.

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 2025-06-21 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: TX

Complaint narrative:
I am writing you about the the Fraudulent use of my social security number due to the XXXX Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief