vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I've been with wells Fargo bank since XXXX, I was supposed to get a class action settlement from XXXX, they keep charging me overdraft fees on minimal amounts like $ XXXX and they keep holding my direct deposits to delay my funds from covering these fees so I end up with multiple overdraft fees they just keep eating and they will only return XXXX per year. I also have had fraudulent charges by others they have kept my monies and paid out regardless if I've stated they are 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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I deposited a {$4200.00} check from my landlord as a cash for keys proposal. The check ended up being on hold, so I contacted my landlord and she went to her bank directly to make sure theres nothing on her end to cause the delay. During this time Ive communicated with TD that Im to be out of this home and I need the money to be accessible to be able to do that. Ive reached out continuously and being mislead and given false information. I was told they needed to verify the check, which was done on both ends, the issuer and me the recipient but still its being held and no one can say why, I truly feel, Im being discriminated against. Ive been banking with TD for 8 plus years never had any bad checks, bounced checks, or any fraud but they continue to handle all my transactions in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : This letter is a formal request pursuant to my rights under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ) for the details of the reinvestigation procedures you completed for the accounts listed below. 

On or around XX/XX/year>, I disputed the following accounts with TransUnion, asserting that they were the result of fraud and not my responsibility. TransUnion completed its investigation and reported that the items were " Verified as Accurate '' or " Verified as Accurate and Updated. '' I am now requesting the following information for each account : The specific procedures used to reinvestigate these items. 

The name, address, and telephone number of any person or entity you contacted to verify the accuracy of the information. 

A description of the documents, evidence, or communication provided by the furnisher that you relied upon to determine the accounts were verified as accurate and belong to me. 

Copies of all correspondence, electronic or otherwise, between TransUnion and the furnisher of information related to this reinvestigation. 

The accounts in question are as follows : 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  The FCRA requires you to provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in the reinvestigation, and the telephone number of such furnisher, if reasonably available. 

Please provide the requested information within XXXX days of our receipt of this letter as required by law. Failure to do so is a violation of the FCRA.

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 2025-10-23 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: FL

Complaint narrative:
I am writing to formally dispute and demand the deletion of all inaccurate and unverifiable information appearing on my credit file under variations of my name. My correct legal name is XXXX XXXX XXXX, as verified by the attached copies of my government-issued Florida drivers license and Social Security card . 

Upon reviewing my IdentityIQ 3-Bureau Credit Report dated XX/XX/year>, I discovered multiple erroneous versions of my name, including but not limited to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These incorrect spellings indicate that my file has been mixed with other records, resulting in unverified and unauthorized accounts being attributed to me. Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information and delete any item that can not be verified with absolute accuracy. 

Because the information reported under these misspelled names does not belong to me, and there is no legal basis linking them to my verified identity, I demand the removal of all accounts and inquiries associated with these incorrect names. These include, but may not be limited to, entries such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( if reported under a misspelled name ) Under the FCRA, failure to ensure complete and verifiable accuracy constitutes willful noncompliance. If this inaccurate information is not corrected or deleted within 30 days of receipt of this dispute, I will exercise my right to seek legal remedy under 15 U.S.C. 1681n and 1681o for damages, attorneys fees, and further action with the Consumer Financial Protection Bureau ( CFPB ) and Florida Attorney General.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion 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 INQUIRIES : 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 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

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 2025-10-23 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 am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$18000.00} INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I am filing a complaint against TransUnion for inaccurately reporting my XXXX credit card account ( ending in XXXX ) as having XXXX late payment in XX/XX/year>. This is completely false. 

This account has never been paid late. The other XXXX major credit bureaus report this account accurately, showing no late payments. Only TransUnion is misreporting this information, which is negatively affecting my credit.

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> at approximately XXXX I received notifications from chime services that my email had been changed and transactions was being made on my account for {$2900.00} I contacted chime immediately to change the email and password on my account and filed a dispute. The claim was denied XXXX times even with me providing a police report for the XXXX XXXX 
XXXX XXXX XXXX XXXX i received notifications from chime again saying my email had been changed again and transactions were being made and sent to the same individual as before in the amount of {$700.00} I have disputed this transaction as well but it seem to me I wont get this money back either and its unfair to me to loose {$3600.00} when I have XXXX children to take care of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 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:
THIS ACCOUNT IS FRAUDULENT AND WAS OPENED WITHOUT MY CONSENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Google Compare Credit Cards Inc.
State: SC

Complaint narrative:
XXXX ( XXXX XXXX ) is currently holding a value of {$790.00} hostage in credit. Due to an error, I have been unable to make purchases since XX/XX/XXXX. Google has provided me multiple failed XXXX hour period notices, multiple failed support calls with copy/paste responses, and phone calls that lead to nowhere.

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 2025-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: VW Credit
State: NJ

Complaint narrative:
I sent the letter to them and I have not received anything they holding a credit debt that I don't know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NY

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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report. 

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose. 

This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
Sent {$14.00} into my daughter cash app account ... Total amount are {$3100.00} XXXX XXXX XXXX cash app ... From XXXX XXXX  cash app account...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed this account several different times. showing that I have paid this off. Experian does not want to remove it from my report. I also received a letter from the company saying Experian to remove account from my report. Experian comes back saying " this item was updated from our processing of your dispute. I have sent the letter showing that it is to be removed. Please make Experian remove this account from my credit report. I submitted a dispute on XX/XX/XXXX. XXXX XXXX 

The letter even states that XXXX sent over request on XX/XX/XXXX to have it removed from my report.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report. 

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose. 

This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion for inaccurately reporting my XXXX financing account as having multiple late payments. This information is completely false. 

This account has never been late. I entered into a lowered payment plan with XXXX XXXX ( the original servicer ) after discussing the terms with their representative. During that call, I explicitly asked whether this arrangement would affect the status of my account or be reported negatively. I was assured that it would remain in good standing and would not impact my credit report. 

Despite this, TransUnion is reporting multiple late payments over the past two years, which is false and misleading. To make matters worse, XXXX XXXX XXXXXXXX have since ended their business relationship, and my account was closed for that reasonnot due to any delinquency or customer fault. It is unacceptable that TransUnion continues to display inaccurate negative information, causing significant harm to my credit profile.

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