vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I took out a small personal loan from Uprova Credit , LLC for {$1200.00}. After receiving the loan documents, I discovered that the annual percentage rate ( APR ) was 547.87 %, resulting in a finance charge of {$3500.00} and a total repayment amount of {$4700.00} over XXXX biweekly payments. Nothing close to what was promised. 
I live in Georgia, where payday lending and loans with interest rates this high are illegal under state law. Uprova is not licensed to lend in Georgia, yet they are issuing high-interest loans to residents through an online platform. The company appears to be using a tribal affiliation or out-of-state address to evade XXXX interest rate caps and consumer protection laws. 
This extremely high interest rate and loan structure are predatory and exploitative. It places borrowers in a cycle of unaffordable debt. I am requesting that the CFPB investigate Uprova Credit , LLC for violating state XXXX and lending laws and for engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). 
I am also seeking clarification on whether this loan is legally enforceable in Georgia and assistance in ensuring that it does not affect my credit report or result in unlawful collection attempts.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I received a call from the Wells Fargo Account Review Team regarding a recent wire transfer I initiated to a verified vendor for the purchase of a digital print tag used in my handbag business, XXXX XXXX XXXX XXXX. The transaction was legitimate, authorized, and directly related to my business operations. 

During the call, I was informed that the recipients financial institution had flagged the transaction as potentially fraudulent. According to the Wells Fargo representative, the recipients bank conducted a background check on the business name listed on the wire and, because they were unable to locate an online presence or record, they deemed the transaction suspicious. 

I expressed that I had already verified the vendors legitimacy and confirmed that the digital print tag services I paid for were completed and delivered as agreed. I am deeply concerned and frustrated that Wells Fargo would consider closing my accounts based solely on the assumptions or incomplete verification of another bankespecially when I have maintained a longstanding history of legitimate, transparent banking activity with no record of fraud or irregularity. 

I believe this situation reflects a lack of due diligence and objective assessment by Wells Fargo, as my transaction was fully compliant, and no evidence of wrongdoing exists on my part. The actions taken against me based on another institutions unsubstantiated claims have caused unnecessary distress and placed my business operations at risk considering the convenience of online wires transaction through Wells Fargo.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting to formally dispute several inaccurate or unverifiable items currently reported on my credit file. These include charge-offs, collections, and inquiries linked to disputed or unauthorized accounts. After careful review of my credit report, I believe the information listed below is either incomplete, inaccurate, or not verifiable as required under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any item I believe to be inaccurate or incomplete, and to request that the credit reporting agency conduct a reasonable investigation. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that all information included in my credit report be reported with maximum possible accuracy. FCRA 623 ( a ) ( 1 ) ( A ) also prohibits data furnishers from reporting information they know or should know to be inaccurate.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting to formally dispute several inaccurate or unverifiable items currently reported on my credit file. These include charge-offs, collections, and inquiries linked to disputed or unauthorized accounts. After careful review of my credit report, I believe the information listed below is either incomplete, inaccurate, or not verifiable as required under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any item I believe to be inaccurate or incomplete, and to request that the credit reporting agency conduct a reasonable investigation. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that all information included in my credit report be reported with maximum possible accuracy. FCRA 623 ( a ) ( 1 ) ( A ) also prohibits data furnishers from reporting information they know or should know to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/year> Target Card Services c/o TD Bank USA , N.A. 
XXXX XXXX XXXX XXXXXXXX, MN XXXX Subject : Request for Removal of Hard Credit Inquiry Date of Inquiry : XX/XX/year> Dear Target Card Services Team, I hope this letter finds you well. My name is XXXX XXXX, and I recently noticed a hard credit inquiry from Target Card Services ( TD Bank USA ) listed on my credit report dated XX/XX/year>. I am writing to request a review and possible removal of this inquiry from my credit report. 

At the time of the application, I did not fully understand that my credit report would be pulled as a hard inquiry, which can affect my XXXX XXXX. I value Targets reputation for excellent customer service and am kindly requesting, as an act of goodwill, that you remove this inquiry from my credit file with the credit bureaus. 

If the inquiry was placed in error or without my full authorization, please consider removing it under the Fair Credit Reporting Act ( FCRA XXXX ). Otherwise, I respectfully ask that you consider a one-time courtesy removal as a goodwill gesture. I sincerely appreciate your time and understanding in this matter. 

Thank you for reviewing my request. I appreciate your assistance and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Az XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Identity Theft TransUnion Data Breach To Whom It May Concern, I am writing to formally dispute several fraudulent items on my credit report as a direct result of the recent TransUnion data breach, in which I was involved. These accounts were opened or modified without my authorization and are causing serious harm to my credit standing. 

Below is a list of the accounts I am disputing : XXXX Opened XX/XX/XXXX Not authorized XXXX XXXX XXXX Opened XX/XX/XXXX Not authorized XXXX XXXX Opened XX/XX/XXXX Not authorized XXXX XXXX Opened XX/XX/XXXX Not authorized XXXX XXXX  Opened XX/XX/XXXX Not authorized XXXX Opened XX/XX/XXXX Not authorized These accounts are causing significant harm to my credit and financial well being. I am requesting the removal of these fraudulent items within XXXX calendar days, given the urgency of the matter and the ongoing risks of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that TransUnion immediately block and remove all fraudulent accounts listed above from my credit report. Given the urgency of this matter and the potential financial harm, I request this be resolved within 4 days if possible, or otherwise expedited to the fullest extent. 
Please confirm in writing that these accounts have been removed and that my credit report has been corrected. 
Thank you for your immediate attention to this urgent matter. 
Sincerely, 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
Consumer complaint received 2025-10-07 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Bank accounts with XXXX XXXX XXXX and XXXX XXXX XXXX were fraudulently opened with my information. I have no knowledge of this account and company has not sent documents or proof of contract that I signed personally. I am a victim of identity theft. I am a victim of data breaches dating back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to name a few. Companies need to submit contracts of my signature and proper documentation of account belonging 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 2025-10-07 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: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: 21ST MORTGAGE CORP.
State: KY

Complaint narrative:
I first had plans to buy new mobile home. I applied to 21st mortgage where I have existing loan were i purchased new mobile home in 2014. Was approved for {$140.00} i will send that to you also. Myself and wife both on appcation. My payment was more than we were comfortable with. 1800 month. So we decide refinance so we filled that application out. Thay said we had to have XXXX or better cridit score. So thay said my wife didn't have XXXX score. But I did. I had take her off application. So I did. Than thay came back said I didn't have enough income. But thay was only counting my XXXX check. But had other income thay wasn't counting me and wife are foster parents. So thay wanted a letter from state Kentucky say proof of the income and I did that sent it to them. Will send that to you also. I ask before I got the letter. Is this all you need yes he stated. Than still wasn't going to allow me the loan. I still owe {$42000.00}. Wanted refinance {$65000.00}. With 5 acers of land for collateral. So after all them giving me the run around. I emailed the 21st morgage stated my problem with no explanation. Thay keep saying numbers not working. My income without my wife not counting her full time income at XXXX for 15 years. Mine total income monthly {$3000.00} i ask why you approve XXXX not a problem. But XXXX problems. Anything you can do i appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
XXXXt: Dispute of Incorrect Personal Information on Credit Report\nDear Transunion,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to be\ninaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items that\nwere not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n1. Please update and remove these incorrect names from my credit report immediately. My correct\nname is XXXX XXXX XXXX  Please remove these incorrect address(es) from my credit report immediately. My correct\ncurrent address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I\nkindly request the removal of these items from my credit report.\nI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the\nFair Credit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift resolution.'

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax about the three accounts listed below being reported on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I sent them a letter in the mail on XX/XX/year> to have these inaccurate and unverified accounts removed from my credit report. Equifax HAS NOT RESPONDED to the dispute. It has taken more than 30 days to respond to the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/year> I got a fraud alert from my bank " Navy Federal '' of an unauthorized charge of {$950.00} to my checking account. It was from " XXXX  '' a website I have never heard of before. I immediately confirmed it was fraud and called the bank and told them I don't even have an account with the company that is charging me and that I want to change my cards so this doesn't happen again. I was told that the transaction looked suspicion and I should get my claimed confirmed in a couple days. On XX/XX/year> I received an email saying that my fraud claim was denied, I Immediately called back to their fraud department and asked what was the reasoning for denying my claim and they said they had have information that contradicted my claim. I asked If they could send the evidence, but I never received any evidence that contradicts my claim. I also tried contacting the company that charged me money, but I couldn't get ahold of anyone because their help services are only for people that have accounts and I don't have one. I submitted the second review on XX/XX/year>. I also submitted a written claim in-person at my local navy federal branch on XX/XX/year>. After not hearing anything I called on XX/XX/year> to the fraud department to ask what else I needed to do to help my case and not get denied again and I was told If I submitted a police report It could help, so I did on that same day. After being told again to be patient and wait for it be approved I received a letter in the mail on XX/XX/year> stating that the denial of my claim still stands. I did everything I was suppose to do and was also told by everyone in the fraud department my claim is strong and it should go through, but never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-07 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: FL

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation