vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX XXXX  on XX/XX/2025 I received a call from Wells Fargo XXXX. They said that my identity had been stolen and XXXX had been transferred from my credit card to my checking account. They had the following information to verify the were from Wells Fargo : The social security numbers of both me and my daughter ( my daughter and I share one account ) The two last transactions on both my checking and credit card. 
The amounts currently in all five of my accounts My address After giving me the information, he said that someone had stolen my id and the XXXX division were trying to find out which teller was selling personal information at the Wells Fargo XXXX XXXX XXXX. The person who was going to steal my identity was coming to the bank at XXXX to pick up cashiers checks for the XXXX that had been transferred into my account with my identity. I checked my banking app and I could see the transfer. I did not initiate any transfer, nor did I get a text verifying the transfer. 
XXXX XXXX  XX/XX/2025 I was instructed to go to the bank and withdraw the cash by check, but not to tell any of the tellers what was going on because they all were under suspicion for identity theft. I withdrew the cash and was told to deposit it at a different branch ( XXXX ). I was told that my atm card had been compromised and they were uploading a new card to my digital wallet, which did happen. 
The new ATM card uploaded to my phone was fraudulent XXXX XX/XX/ 2025, I went and deposited the XXXX cash to the ATM at the XXXX branch. The last four numbers of the card used to deposit the money was XXXX. I have the receipt. 
XXXX XX/XX/2025. I spent two hours on the phone with Wells Fargo initially confirming the deposit, which then turned into a fraud claim. 
XX/XX/ 2025. I made a police report with the XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XX/XX/ 2025. In a phone call to Wells Fargo about an update to my fraud claim, they stated it was rejected because they couldnt track the cash deposited in one of their own ATMS, despite me calling immediately afterward.

Wells Fargo failed at four points : Not securing my personal information and it was a lot of information Not contacting me to confirm the transfer ( as banks usually do with a big deposit or withdrawal Not having a secure system for uploading digital wallet cards Not checking the ATM camera to prove that I was there, despite calling them immediately after

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 2025-06-17 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUN TS XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00}

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 2025-06-17 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A 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

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 2025-06-17 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A 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

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: OK

Complaint narrative:
I am filing this complaint regarding Uplift Inc., who is inaccurately reporting a balance on my credit report for an account that they no longer own. The account in question was sold to a third-party collection agency, and I have since paid the debt in full to the rightful new owner.

Despite this, Uplift Inc. continues to report a balance due on my credit reports with one or more credit bureaus. This is a violation of the Fair Credit Reporting Act ( FCRA ), as Uplift is no longer the creditor and should not report a balance or any account status once the debt is sold and no longer theirs to collect.

I have attached documentation showing that the debt was sold and that the new owner has confirmed the debt has been paid off.

Requested Resolution : I am requesting the full deletion of this account from all credit bureaus ( XXXX XXXX and XXXX  ). Uplift Inc. has no legal basis to continue reporting this account with a balance or any status now that they no longer own the debt and it has been resolved. 

I would appreciate your immediate attention to this matter and expect a response within the appropriate timeframe per FCRA regulations. 

Attachments : Proof of debt was sold and paid off Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX Last 4 of SSN : XXXX Date of Birth : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 and in reference to potential noncompliance with the XXXX XXXX reporting standard. 

I have previously disputed the negative reporting of late payments by XXXX and XXXX on my credit report. The credit bureaus failed to provide me with any adequate documentation that proves the accuracy, completeness, or verifiability of these accounts, including full payment records and a XXXX XXXXcompliant audit trail. 

These accounts are continuing to harm my creditworthiness and limit my ability to qualify for essential financing. According to FCRA, if the furnisher or bureau can not verify the completeness or accuracy of the data, it must be deleted. 

Accounts in question : - XXXX Any and all accounts associated with XXXX XXXX XXXX Any and all accounts associated with XXXX I am requesting : 1. Full documentation of the alleged delinquencies, including payment ledgers. 
2. A XXXX XXXX compliance audit for the data furnished. 
3. Immediate removal of all unverified, outdated, or incorrect data associated with these accounts. 
Furthermore, I am aware of the CFPBs XX/XX/scrub> 2025 lawsuit against XXXX, in which the agency alleges XXXX  conducted sham investigations routinely accepting furnishers unverified responses, failing to inform consumers of the outcomes, and reinserting previously deleted tradelines in violation of FCRA and CFPA requirements. Accordingly, I request a thorough, good faith reinvestigation of the accounts I dispute including full XXXX compliance documentation, clear communication of your findings, and a commitment that no previously unverified data will be reinserted. 

If this information can not be substantiated within 30 days per FCRA guidelines, I request that it be deleted from my credit report immediately. 

Please send me a complete updated copy of my credit report after this investigation.

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 2025-06-17 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MI

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX, XXXX 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 in to be removed. 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. XXXX XXXX, XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/year>2025, I discovered inaccurate and unauthorized information on my credit report, which I did not initiate or consent to. After reviewing the report, it became clear that the information may be the result of identity theft.

I immediately filed an identity theft report with the FTC and submitted disputes to the credit bureaus, including all required documentation such as my FTC Identity Theft Report and a police report. Despite taking these steps, the company responsible for reporting the information has failed to remove or properly investigate the disputed items.

This ongoing issue has caused a significant drop in my credit score, disrupted my ability to obtain credit, and created financial hardship. I am requesting that the Consumer Financial Protection Bureau review this matter and ensure the company complies with the Fair Credit Reporting Act ( FCRA ) by removing the fraudulent or inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MN

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : U S DEPT OF EDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} U S DEPT OF ED/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-17 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 1 has not properly reported my credit card balances to the credit bureaus. 

card ending in XXXX balance is {$1200.00} card ending in XXXX-balance is {$1400.00} Balances reported : XXXX {$2600.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
I am writing to dispute the accuracy of a charge-off reported by your company on my credit report for the I am writing to dispute the accuracy of a charge-off reported by your company on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of this debt and dispute any inaccurate or incomplete information.

Please provide me with : Verification and validation of this debt, including documentation proving I am responsible for this charge-off.

The date the account was charged off.

The original amount owed and any subsequent fees or interest added.

A detailed payment history associated with this account.

If you can not verify the accuracy of this charge-off or if the information is incomplete or inaccurate, I request that you notify all credit reporting agencies to delete or correct this entry accordingly.

Please respond to this dispute within the timeframe mandated by the FCRA. I also request a written confirmation of your findings and any actions you take.

Thank you for your prompt attention to this matter.

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 2025-06-17 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
XXXX  told me the only way I could dispute an inquirie is requesting a deletion letter from the disputant. I called capitol one and they said they dont have anything like that and to call the credit bureau again. Just a dull circle and Im just trying to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I discovered multiple unauthorized hard inquiries on my credit report from companies to whom I never applied for credit and never gave permission to access my credit file. These inquiries include, but may not be limited to Under the Fair Credit Reporting Act ( FCRA ), no hard inquiry should be made without my explicit written consent. I have not authorized these companies to perform any credit check or open any account in my name. I take identity protection seriously and consider these inquiries to be a potential violation of my consumer rights.

I respectfully request that these unauthorized inquiries be immediately investigated and permanently removed from all of my credit reports. 

I also request that appropriate actions be taken against the companies involved for making such inquiries without my consent, as required by federal law. 

I am prepared to provide identification and additional documentation if necessary to verify this claim. 

Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation