vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I accidentally sent {$1500.00} via XXXX XXXX instead of the correct amount of {$150.00}. I immediately contacted the recipient to resolve the issue, but they ignored my messages and refused to return the overpayment. 

I disputed the transaction with XXXX XXXX, but they declined the claim. I then escalated the matter to Wells Fargo, my bank, and explained the situation in full. They issued a provisional credit of {$1400.00} ( difference between {$1500.00} and {$150.00} ), but later reversed it on XX/XX/XXXX without adequately considering the circumstances. 

I called Wells Fargo again to appeal the decision, but they refused to reopen or escalate the dispute. I believe this is unfair, as the payment error was unintentional, well-documented, and I acted promptly to resolve it. 

I am requesting that Wells Fargo reinstate the credit or properly justify the reversal based on clear evidence. I have tried resolving this directly with both XXXX XXXX and Wells Fargo without success.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-31 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: WA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 2025-07-31 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: IL

Complaint narrative:
In XX/XX/XXXX, multiple unauthorized hard inquiries appeared on my credit report from auto finance companies I never applied with. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I financed my vehicle through XXXX XXXX XXXX in XX/XX/XXXX and did not authorize or initiate any applications with these other lenders. These inquiries were made without my consent or written authorization, and there is no active account tied to them. 

I previously submitted disputes to Experian and XXXX, and both claimed the inquiries were valid due to " permissible purpose. '' However, under FCRA 604, a permissible purpose must be initiated by the consumer or be connected to an existing account. That does not apply here. 

I have now filed an official FTC Identity Theft Report and mailed formal dispute letters with documentation requesting removal under FCRA 604, 611, and 605B. These inquiries are the result of unauthorized access to my credit file and should be removed. 

Please help me ensure these inaccurate and unauthorized inquiries are permanently removed from my credit 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 2025-07-31 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: IL

Complaint narrative:
I never lived in Indiana and XXXX XXXX XXXX XXXX is # XXXX accounts open from XXXX XXXX XXXX XXXX that are not mine that were open fraudulently

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 2025-07-31 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: IL

Complaint narrative:
I never lived in XXXX  and XXXX XXXX XXXX XXXX is # XXXX accounts open from XXXX XXXX XXXX XXXX that are not mine that were open fraudulently

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 2025-07-31 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: IL

Complaint narrative:
I never lived in XXXX  and XXXX XXXX XXXX XXXX is # XXXX accounts open from XXXX XXXX XXXX XXXX that are not mine that were open fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4300.00} 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, Balance : {$6300.00} XXXXXXXX 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, Balance : {$7300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3600.00} XXXXXXXX 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, Balance : {$4300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I have previously disputed with XXXX XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I tried to purchase the game XXXX XXXX on XXXX and since all my credit cards are either through XXXX or XXXX I was unable to purchase the game. When I contacted XXXX they said it was an unsupported transaction and I asked to file a complaint which they said I would have to do through an online form, that I don't think was ever emailed to me. Anyway, I don't understand how it's legal for them to decide what I can and can not purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the American Express account appearing on my credit report. This account was opened based on inaccurate information, and I did not authorize its creation. 

At the time, I was misinformed and misled about the nature of the account. I did not knowingly apply for or consent to open a credit account with American Express. This account does not reflect my intentions or financial decisions and should not be associated with my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be investigated and removed if it can not be verified with proper documentation. Please provide all application records and evidence of my authorization, including any signatures or digital consent forms tied to this account. 

This account is causing unnecessary harm to my credit profile and was established under false or misleading pretenses. I request its removal or immediate correction. 

Thank you for your attention to this matter. I expect a response within the timeframe required by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
Dear experian I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to XXXX, Experian and XXXX. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. XXXX account XXXX XXXXXXXX balance XXXX XXXXXXXX.Please confirm the account name, number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX email : 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 2025-07-31 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: SC

Complaint narrative:
Dear XXXX  I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax, XXXX XXXX XXXX. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. XXXX account XXXX XXXXXXXX balance XXXX  XXXXPlease confirm the account name, number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
There's XXXX different transactions XXXX for XXXX XXXX for XXXX XXXX XXXX is done on XXXX early and the mower was months before that too so comes to a total of like XXXX then those dispute department doesn't do anything they lie to you you can't speak to him they don't do anything to resolve the process and try to outweight you I've been lied to had money credit in my account I've had it pulled back out with with no information showing that they pulled it back out so they basically stole it out of the account call him they give you some story and they never follow through they say keep checking the website for updates they do not update their website they are call center is in the XXXX so they don't understand how business in the United States is done when something goes wrong they want me to do all their footwork for them I've done security work why am I doing their job they want me to go back to the restaurant which was the other dispute and get a letter stating they're going to give me my money back who does that I've already been back there I sat there they said they were going to give me another XXXX they did not so I'm out more money I just left after that called venmo and said I'm disputing this and then they want me to go back down there again no they need to call him and do some footwork they're doing nothing they're trying to outweight me this is a business tactic so they stole my money they've not tried to retrieve it they did nothing for the mower purchase or the restaurant purchase that I complained about they throw it back on your lap and do nothing this is a severe problem and actually it is theft cuz they took it out of my account and there's no XXXX XXXX do I need to call the police I'm glad to it might be XXXX XXXX  but I don't care if it's a XXXX a thief is a thief please do something please do something to stop there deceptive business practices they do not care about consumers they charge excessive amounts of money to move your own money and then they don't protect it and then they'll lie to you and pull it back out of your account I will not stand for this and I hope you don't either or you're not a good XXXX  thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have struggled financially to keep my vehicle but have complied and made payment arrangements with Wells Fargo to keep it from being reprocessed and just giving up. The cost of living has doubled and it is hard to up keep on one income with no child financial assistance. I am also in a consolidation program and just really trying to do the right thing and pay off all of my debts, including my vehicle, which is not even worth what is owed. I had to trade it during COVID as the other vehicle they sold me was having engine issues within 3 years. The dealership sold it as a good option to trade with nothing down, and that was more less costly than paying for a whole new engine. There was two incomes in the household at that time. But life happens and situations change but bills do not accommodate. The last payment arrangement was not recorded properly on their end so that cause it to get picked up. I immediately paid over {$3000.00} to get my vehicle back within days and at the disclosure and conversations I had with several agents it was never discussed or the information was never offered that even though the payment plan was not properly taken on their end, it would mark my credit report as a repossession. Because in that case I probably would have just saved that money and put it towards a newer car or cash car if it was going to ruin my credit. So because I met a deadline and currently have the vehicle in my possession and had it within 5 or less days I don't think it's fair or fit to report it as such and ruin a consumers report, if payments are up to date and paid for. As a consumer, it is really ruining my personal accounts and day to day. I also can not get in touch with anyone at Wells Fargo as I get the run around and only received an email stating that they received my complaint. But they got back to TransUnion quickly to report this information. I don't think Transunion took their time or really was for me as the consumer either, to see all the facts or my side, they really didn't do a thorough investigation or offered assistance. I have children entering college and this is really not allowing us to continue furthering their education as we can not get loans and not a lot of financial aid is currently being offered. This will mean the world to us if that little reporting will somehow update or it be changed and should not be considered a repossession.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'M CONSISTANTLY TRYING TO RETREIVE MY ONLINE CREDIT ACCOUNT BUT THE EXPERIAN ONLINE SITE WILL NOT ALLOW ME INTO MY ACCOUNT WITHOUT MY OLD CELL CELL PHONE NUMBER, WHEN I CALL EXPERIAN CREDIT BUREAU IT KEEPS ASKING FOR A LINK TO BE SENT TO MY OLD CELL PHONE NUMEBER THAT I NO-LONGER HAVE. PLESE HELP, EVERY MONTH I HAVE SOME SORT OF PROBLEM WITH EXPERIAN CREDIT BUREAU PLEASE HELP FROM : 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 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
b"I am having an ongoing problem with a neighbor that I believe and I'm suspicious of hacking my bank account and making purchases I am not making and stealing my money he threatened with it before saying don't go to XXXX XXXX XXXX XXXX XXXX  NY XXXX  Chase Branch that they are not going to help me. He knows someone there. His name is XXXX XXXX XXXX XXXX new jersey license plates XXXX He lives with a girl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I live in same building down stairs in apartment 1 same address. I keep also reporting him to 123 precinct for things like poisoned me and threatening me and nothing is being done . Chase is not very helpful. XXXX XXXX XXXX XXXX  opened my account there number is XXXX XXXX XXXX. If possible can you do something or forward this to appropriate agency? Thank you"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: PR

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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