vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 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: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : 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 2025-10-16 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: CA

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 four 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
: XXXXXXXX XXXX  Date : 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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I deposited a {$5000.00} business check from a company into my Wells Fargo account on XX/XX/year>. The check was legitimate prize money for winning a content contest. Wells Fargo initially showed that the funds would be available within two days, but then changed the status to on hold until XX/XX/year>. 

When I contacted Wells Fargo, I was told the hold was placed because the issuing banks system flagged unusual activity. However, the issuers bank confirmed to their CEO that the check cleared successfully and the funds were already deducted from their account. I have written confirmation from the issuing bank verifying that the payment was processed without issue.

I have spoken with multiple Wells Fargo representatives, including branch bankers and was told they can not manually review or release any part of the funds even with proof of verification. They also stated there is no way to escalate it to the Risk Review or Escalation departments for a manual hold review.

This hold has created significant hardship because I am currently traveling for work and this check was meant to cover travel expenses related to the event. I am asking for Wells Fargo to review this hold, verify the check directly with the issuing bank, and either release the full amount or at least provide a partial release of funds.

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 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Company : Midland Credit Management , Inc .

Related Creditor : XXXX XXXX XXXX XXXX Complaint Narrative : Midland Credit Management , Inc. has failed to provide accurate and complete documentation for my account despite multiple written requests since XX/XX/XXXX. They stopped sending monthly statements after XX/XX/XXXX, even though I have an active payment plan of {$69.00} per month.

When I called their office, representatives falsely stated that I did not have a payment plan and refused to transfer me to the account representative, XXXX XXXX XXXX, who had mailed prior correspondence. Their response letter omitted the full ledger of payments made, did not include the payment plan terms, and did not acknowledge money orders or bank drafts I made through XX/XX/XXXX. 
Midland is now seeking a wage garnishment for XX/XX/XXXX based on an incorrect balance that does not match prior statements. This behavior appears to violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including : 1692e False or misleading representations 1692f Unfair collection practices 1692g Failure to validate and verify debt 1692c Refusal to communicate through requested channels after written correspondence Regulation F ( 12 C.F.R. 1006.34 ) Failure to provide required periodic statements I request the CFPBs assistance in compelling Midland Credit Management , Inc. to : 1. Provide a full payment ledger and accounting reconciliation ; 2. Confirm the correct balance ; 3. Reinstate monthly statements ; 4. Cease collection and legal action until accurate documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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  FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ DEPT OF EDUCATION/XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: PA

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

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 2025-10-16 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: NY

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 ( ORIGINAL CREDITOR : XXXX XXXX  ) - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, I got a phone call that came from a Wells Fargo phone number. They told me someone had opened a XXXX account in my name. They walked me through a process to close the XXXX account and I realized after the process it was a scam and {$5000.00} was taken out of my overdraft checking account. 
They also sent a text message with a code that they did not ask for but it did come from Wells Fargo on the same text message link that I get from Wells Fargo. I even asked them to send it a second time and they did.

I called Wells Fargo immediately like two minutes later when I realized it was a scam.

The person on the Wells Fargo line took minimum information said they will investigate. I called back on XX/XX/XXXX and another woman helped me shut down my account and change my password. I do believe that shouldve been done on my first call. The woman on the second call, took all the information needed to open an investigation said it would take one to 10 days. she said the investigation doesnt start until the eighth. I dont understand that because I called on the sixth I do believe if they wouldve investigated immediately that moment I wouldve got my money back instead they waited two days and I had to call back to start the investigation and secure the rest of my account.

The first woman also told me my money was gone as I told her how upset I was. I called back on XX/XX/XXXX and was told I will not be getting my money back. There is nothing they can do about it. I have not gotten anything in the mail and no one has called me or contacted me. 
I have been with Wells Fargo when they were XXXX XXXX way back in the early XXXX. 
I have my checking savings, retirement, credit card, and everything else financial in my life with Wells Fargo and I have had it for the past 45 years.

I dont think they did enough to try to help me as a dedicated customer. There must be some type of insurance or something they can do to help me out. I still dont understand why they didnt start the investigation till two days later and why they didnt help me secure my account till two days later. Thank you for any help. You can give me in regards to this terrible awful situation.

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 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I previously sent a formal debt validation request to the collector on XX/XX/year>, a copy of which is attached. Although I no longer have the certified mail receipt, this serves as documented proof that I exercised my rights under the FDCPA. The collector has not responded appropriately and continues to report the debt I said I was disputing the debt of {$3900.00} I received another letter dated XX/XX/year> saying that they are now reporting my debt to credit agencies. I called the number on the letter stating I had disputed the supposed debt and requested information, and I would discussing next steps with my lawyer since they did not legally adhere to the process and furnish my with the information requested. 

Again, this is not legal and because they did not provide the information requested within the legal timeframe ( or ever ), this invalidates their claim. This is all illegal, it's quite clear and I need this resolved please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

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 2025-10-16 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: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
I regularly monitor my credit report because maintaining a good credit score is very important to me. However, I continue to see inaccurate and false information being reported under my name. This has been a recurring issue that has not been resolved despite my repeated efforts to address it. The ongoing presence of these inaccuracies is extremely stressful and exhausting, and it has been unfairly damaging my credit score and overall financial standing.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I received text alerts, phone calls ( several ) regarding my credit card being compromised and a new card being issued. I was told it was shipping overnight and i would receive in 24 hr. I had not received in almost 48 hours and kept getting transactions from cancelled card so I called Navy Federal. The agent advised she had no record of speaking with me 2 days earlier. I also advised her I could not see any of my accounts except checking. We talked over an hour trying to cancel cards and dispute. She agreed that she saw account activity for the date in question and that there were multiple transactions tried and some failed. I explained that on the spoof call, I only verified if i use 3rd party apps with my account, XXXX and XXXX XXXX. I did not give personal details. This person was in my bank account and already changed personal details as they spoke to me they had hidden my accounts, and changed my contact phone numbers. All confirmed by NavyFederal as well. The impersonator asked me to remove my debit card from the XXXX XXXX under my profile and accounts tab. I did that ( REMOVED ) my debit card as they stated the account was being secured. I want Navy Federal to explain if I have never used any devices for transactions why would i magically use a different one 7/8 years later. All my devices are also XXXX, the device in question was XXXX and transactions from XXXX. I am in XXXX  and have never been to XXXX  which I also advised the bank. I filed dispute and fraud on XX/XX/year>, and again on XX/XX/year>. I physically went to bank and requested fraud specialist, I have physical proof of calls and texts. Navy Federal wants customer to assume responsibility for their system hacking and breach because you have a 3rd party apps connected and used before. All the common sense would say why would a person transfer funds from savings to checking to deplete all their own funds in all accounts. No one would. I just want my money returned to my checking, on top of all this they also want to close my credit card account that is not late, the card is expiring and they are denying reissue. Navy Federal is very unconcerned about Veterans, or the families who use these accounts. This type of Spoof with the contact name and number matching the institution, INSIDE JOB. Oh the verbiage and behavior of the fraudulent representative was amazing, they didnt do any of the things or ask any of navy Federals flagged questions because they had to have previous or current training and thats all it took. Navy Federal needs to hold accountability for the millions of families banking with them and protecting funds being held in their unsecured institutions. REPORT and STOP NAVY FEDERAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation