vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dispute of Monthly Maintenance Fee ( MMF ) for XX/XX/year>, resulting from a deficient customer service advice that caused an avoidable charge. 

The Complaint I am disputing the {$12.00} Monthly Maintenance Fee ( MMF ) on my U.S. Bank Smartly Checking account for XX/XX/year>. This fee was incurred directly due to misleading and deficient advice provided by a U.S. Bank customer service agent in XXXX. 

Summary of the Problem Effective XX/XX/year>, U.S. Bank changed the waiver criteria for the MMF : an eligible credit card is now required ( e.g., Smartly Rewards Card ), replacing the previous rule where any U.S. Bank personal credit card ( like my Cash+ Signature Visa ) qualified. 

I was previously charged the XXXX MMF, which was refunded. The core of this complaint is the bank 's failure to properly inform me when I sought clarification on XX/XX/XXXX, which directly led to the XXXX charge. 

Timeline of Events and XXXX Customer Service XX/XX/year> ( XXXX XXXX  ) : I called to dispute the XXXX fee and explicitly asked what I needed to do to avoid the fee in the future. The agent failed to disclose the credit card policy change. Instead, they incorrectly attributed the fee to a " system error, '' advising no corrective action. 

XX/XX/year> Fee : Based on the agent 's incorrect advice, I took no action, resulting in the {$12.00} MMF being charged again in XXXX. 

XX/XX/year> ( Morning Calls ) : I called to dispute the XXXX fee. 

A First Agent finally disclosed the specific policy change ( only XXXX  Rewards Card qualifies ). 

A Second Agent ( around XXXXXXXX XXXX ) acknowledged that the XXXX agent was at fault for failing to provide the correct information, but still refused to refund the XXXX fee. She suggested I visit a branch for a refund, which is an unreasonable requirement for a bank error. This led me to request closure of my checking account.

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 monetary relief
Consumer complaint received 2025-09-29 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: CBC Companies, Inc.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Ticket XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX is now forcing me to give Biometric data, in order to remove a security hold. XXXX did not have an issue withdrawing funds from my account, and charging fees once USD was swapped for crypto. This alleged account restriction only occured when I made a withdraw order for my crypto. My account has fully verified, so there should be no problem making any withdraws. Lastly, I do not consent to giving Biometric Identifying Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I received a card I didn't apply for. Someone stole my personal information and opened a credit card. ( fraudently approved card )

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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am the victim of identity theft. My XXXX report includes information about a Bank of America account ( account number ending in XXXX, closed on XX/XX/year>, listed as Suspected Fraud Activity ) that does not belong to me.

Under the Fair Credit Reporting Act 605B, I am requesting that you block and remove this fraudulent information from my XXXX consumer 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
b'I sent a certified letter to Experian on XXXX with tracking XXXX XXXX XXXX XXXX XXXX XXXX  it shows the delivery date of XXXX  at XXXX XXXX in XXXX TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian failed to respond. I sent another letter on XXXX which they failed to respond once again.'

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 2025-09-29 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 submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
RE : REQUEST FOR INFORMATION AND RESOLUTION OF BANK ACCOUNT CLOSING ORDER My name is XXXX XXXX XXXX XXXX. I am a XXXX  XXXX, a XXXX, who has been investing in XXXX XXXX in the XXXX ( XXXX Florida, and XXXX ). I am in the process of obtaining my XXXX XXXX XXXX, having invested {$800000.00} in a XXXX real XXXX project. I am also a XXXX taxpaying resident and have recently filed my first full-year XXXX tax return for XXXX. 

I have been banking in the XXXX ( individually and for my businesses ) for well over XXXX  years without any problem, until this month, when all of my accounts, personal and business were flagged for closure at Wells Fargo Bank. 

Despite plenty of efforts in obtaining information, or finding a resolution, Wells Fargo has failed to provide me with the specific reason for the closure, or with a process to seek prompt resolution. This situation severely affected my businesses transactions and caused substantial delays that have cost me thousands of dollars thus far. 

Every transaction that has been processed through any of my bank accounts has a legal purpose and all funds come from legal sources, for which I can provide proof if the opportunity becomes available. 

If the nature or legality of any of these transactions is being questioned, I should have the opportunity to know the information this decision is based on, and to be facilitated with the opportunity to provide support for its legality. 

POTENTIAL ISSUE : As a result of my many attempts to obtain information. I was made aware by a banker at a different financial institution that the issue XXXX be related to the existence of XXXX or more individuals with a name almost identical to mine and has the same date of birth who is unfortunately in the Politically Exposed Persons database. 

RELIEF REQUESTED : - XXXX on the actual reason for closure of my bank accounts with Wells Fargo Bank. 
- XXXX to clear my name and reputation with the banking system, as I am now being unfairly blocked in other financial institutions. 
and

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 2025-09-29 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: NJ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-29 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 formally dispute the following inaccurate and unverifiable information appearing on my credit file maintained by your agency. This letter serves as a formal demand for immediate investigation and deletion of the listed accounts ( see attachment ) in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C 1681 ET SEQ. ). These accounts are being reported inaccurately, and your bureau is in violation of the FCRA by continuing to report information that can not be verified as accurate, complete, and current. According to 15 U.S.C 1681i ( a ) ( 1 ), you are required to conduct a reasonable investigation within 30 days of receipt of this dispute. If you can not verify the accuracy of these items with the original furnisher of information, you must delete them immediately. Reporting unverifiable or false data is a violation of federal law. Additionally, under 15 U.S.C 1681e ( b ), you are required to maintain maximum possible accuracy of the information you report. Failure to comply may result in legal action, statutory damages. I demand written confirmation of the deletion of these accounts from my credit file. If items remain after the 30- day investigation period without proper verification, I will escalate this matter with regulatory agencies and pursue further legal remedies available 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 2025-09-29 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: PA

Complaint narrative:
I am writing to formally dispute the following inaccurate and unverifiable information appearing on my credit file maintained by your agency. This letter serves as a formal demand for immediate investigation and deletion of the listed accounts ( see attachment ) in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C 1681 ET SEQ. ). These accounts are being reported inaccurately, and your bureau is in violation of the FCRA by continuing to report information that can not be verified as accurate, complete, and current. According to 15 U.S.C 1681i ( a ) ( 1 ), you are required to conduct a reasonable investigation within 30 days of receipt of this dispute. If you can not verify the accuracy of these items with the original furnisher of information, you must delete them immediately. Reporting unverifiable or false data is a violation of federal law. Additionally, under 15 U.S.C 1681e ( b ), you are required to maintain maximum possible accuracy of the information you report. Failure to comply may result in legal action, statutory damages. I demand written confirmation of the deletion of these accounts from my credit file. If items remain after the 30- day investigation period without proper verification, I will escalate this matter with regulatory agencies and pursue further legal remedies available to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I noticed XXXX XXXX Inquiries on my XXXX  Credit Report. Which I did not authorize. I believe XXXX was used. I have also filled out a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-29 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Called week of XXXX, no sale, rep said was approved on XXXX  modification, but said i didnt send in paperwork needed proof of income hardship letter and XXXX  XXXX have sent in multiple times and again on XXXX and prior, see proof!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-09-29 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

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