vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CO

Complaint narrative:
First off my frustration starts with Discover because I had a high limit times got tough and I used it as most people do. I understand that being my fault. But what frustrates me is I dont remember requesting a credit line increase and at some point my credit card limit when from like XXXX to XXXX I was maxed on the XXXX and so you think your helping me by increasing my credit line which in turn I just kept spending than not really realizing what had happened till few months ago when I tried taking a deep dive into my finances. I wish credit card companies would not just up a credit limit. My XXXX said I was eligible for an increase if I want to take advance click here, I didnt and they didnt raise my limit. thats what I think should have happened here. For that I think I was charged more interest that has made it harder to get on top of my debt but my concern more is the late fees. I tried contacting Discover to see about getting my late fees reversed and they wouldnt look into it or do anything to help me. I dont feel I owe the late fees. I pay my bill every month on the XXXX. Both my discover and XXXX are due on the same date so I pay both at the same time and looking at my XXXX I have not been charged any late fees and I can send proof of this if needed. So why am I being charged with Discover. Ive tried looking and dont see anything about the specific time the bill needs to be paid to avoid a late fee so if I pay the bill at XXXXXXXX XXXX  my time that should be ok? Sometimes thats when I realize oh I need to pay the bills. So I finally was able to pay off the Discover and I paid less the late fees so hoping they can research this and see what Im talking about and work with me to refund those. {$280.00} is what I show I did legitimately not pay my bill in full, paid on time but couldnt afford {$600.00} minimum payment for XXXX so I took that off what I feel should come back to me is {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed an FTC report, but I later discovered that there was a typo in the report name. I need to correct this error to ensure accuracy.

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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I went into Ace check cashing place at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, To withdraw {$1000.00} from my XXXX card, the teller said since I am removing more than {$1000.00} that I would need my identification card, while I was there she checked my balance and saw that I had {$1100.00}, so I went home to grab my identification card and when I came back there was only {$120.00} left on my card, I could not take out the XXXX because the ace check-cashing had my money withdrawn from their system they did not give me my money order and told me that there was really nothing that they could do I had to go down to XXXX XXXX building office to have XXXX XXXX building fix the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 non-monetary relief
Consumer complaint received 2025-04-04 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: CT

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 explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am submitting this complaint regarding **Wells Fargos handling of my personal checking account**, which currently holds a balance of **over XXXX XXXX. I recently received an email notification from Wells Fargo stating that **my account would be closed on XXXX XXXX due to what the bank categorized as " excessive claims. '' While I disagree with the characterization of excessive claims, my primary concern is the **conflicting and potentially misleading information regarding access to my funds**. 

In the closure notification, Wells Fargo explicitly stated that I would **continue to have access to withdraw the funds in the account up until XXXX XXXX. However, on [ insert today 's date ], I visited a branch in XXXX XXXX where a banker informed me that the **Fraud Department has determined I am no longer allowed access to the funds**, contradicting the prior written communication. 

This inconsistency has : - Created significant **financial hardship and uncertainty** - Raised **serious concerns about transparency and internal communication** - Prevented me from accessing over {$100000.00} of my own funds despite no legal judgment or external freeze on my account I am requesting the CFPB to : 1. **Investigate Wells Fargos practices** related to account closures and fund access 2. **Clarify whether the bank is legally permitted** to deny access to funds **after stating in writing** that access would remain available until the closure date 3. Advise me on my right to **pursue civil legal action** for the withholding of funds and emotional/financial distress caused by this conflict Attached are copies of the account closure notice ( email or letter ) and any documentation from my branch visit, if needed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Acct # 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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
The fraud case : An internet site impersonated a known medical doctor ( with his real picture shown on top ). The site allowed medication to be purchased with listed prices. After I made a purchase for {$610.00}, an email was sent to me, identical with the original correct one belonging to the doctor, but with an extra dot inserted : Internet site XXXX ( fake ) Real email address : XXXX Fake email address : XXXX Initially i did not know the real address. I found out later on. 
The email asked for a choice of payment for the {$610.00}, including XXXX which was my choice. 
They gave me a name in another email to send to : Name : XXXX XXXX Email : XXXX I made the payment through XXXX from my account at Wells Fargo. 

After that I started to realize form their future actions the fraud and I contacted my bank. 
The claim was denied.

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 2025-04-04 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not being reported accurately. I had 01 late payments on an account XXXXXXXX XXXX  that I actually paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has not had any late payments. I have attached a copy of my report to this complaint on the following dates XX/XX/year>. I am now requesting that you investigate this account and update these payments as paid on time immediately. Thank you for your understanding and prompt attention.

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 2025-04-04 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
On XX/XX/XXXX, a family member called and asked if he could send me money using XXXX and said he would take it off XXXX XXXX. I didnt realize that could be considered fraud. The next day, Wells Fargo contacted me saying there was fraud on my account. I was told my account would be investigated for 10 days, but I was still allowed to use it. Then, without a full explanation, my account was closed. 

I tried calling Wells Fargo for answers, and they told me to go in person. When I went to the branch, they told me I had to call the fraud department instead. I was transferred around and never received a clear answer. I was not given a chance to explain my side or resolve the issue. 

I also had a joint account with my dad, and when he went to the bank, they told him that the account was overdrafted by {$2400.00}. He tried to remove himself from the joint account, but the bank said the balance had to be paid first. He became upset because he had nothing to do with the situation, and now its affecting both of us. I was told that if this isnt disputed, someone will be held responsible for the fraud and have to pay the money back. 

I feel like I was not given the chance to properly dispute the situation, and now it is causing stress between me and my family, as well as hurting my ability to manage my finances.

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 2025-04-04 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$990.00} Date of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: NJ

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 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 2025-04-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had to leave town and was unavailable to use my account since late XX/XX/XXXX. Now I have come back in XX/XX/XXXX. I need to be able to use my account for work purposes and now I've found my account to be - {$460.00} overdrawn. 
I've had no hand in whatever has been done to cause this - {$460.00} on my account. On top of this I also found a {$600.00} XXXX  transaction that I had no idea was charged to my account. 

I've contacted PayPal several times and they just keep saying they can't do anything about it. This is fraud they are actively participating in. They have done nothing to remedy these problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: 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 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 2025-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
National credit systems is ignoring the XXXXXXXX XXXX XXXX and fraudulent activity from the original collectors as well. Still trying to collect while under false practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$500.00} THE XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$200.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$750.00} **Inquiries** XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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