vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
This is a follow-up complaint to a previous CFPB case that has been marked as completed. However, Wells Fargos resolution was factually and legally inadequate. We are submitting a new complaint with additional documentation and rejecting the partial reimbursement issued by the bank Prior CFPB complaint ID : XXXX : Dispute of Wells Fargos Resolution Request for Further Action We are writing to express our deep disappointment and dissatisfaction with Wells Fargos response to our formal complaint regarding the fraudulent depletion of {$64000.00} from our joint checking account.

We respectfully reject their resolution for the following reasons : Inaccurate Disputed Total : Wells Fargo claims the total of disputed transactions amounts to {$33000.00}. However, our bank statements and internal records clearly show a loss of {$64000.00}. The discrepancy between these figures is inexplicable, and the bank has not provided itemized proof justifying the lower number, despite repeated requests.

Failure to Notify or Prevent Fraud : The bank asserts that we failed to report the fraud within 60 days. However, we never received any notifications, alerts, or correspondence about large or suspicious transactions that might have triggered early action on our part. Given the volume and value of the transactions, Wells Fargo had a duty to flag theseits failure to do so constitutes negligence.

Suspicious Issuance and Use of Unauthorized Debit Card ( ending in XXXX ) : According to Wells Fargo, this card was issued on XX/XX/XXXX, XXXXthe day the account was opened. But our records confirm that only one debit card was issued that day and that it ended in XXXX. In fact, the first transaction from this XXXX card occurred nearly a year later on XX/XX/XXXX, ra

ising serious doubts about the legitimacy of its issuance and monitoring. No authorized party in our family ever received or activated this card. Attached is the following : - Original CFPB complaint detail ( ID : XXXX ) - Wells Fargo final response ( XX/XX/XXXX ) - Wells Fargo 's partial compensation ( XX/XX/XXXX ) - Attorney 's letter to Wells Fargo ( XX/XX/XXXX ) - Bank Statement excerpts We are willing to provide other information ( ex. bank statements that prove the {$64000.00} in losses ) when asked for.

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 2025-07-01 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: NY

Complaint narrative:
I regularly monitor my credit report because maintaining a good credit score is important to me. However, I continue to see recurring false and inaccurate information that has not been corrected, despite multiple attempts to address it. This ongoing issue is extremely stressful, exhausting, and has unfairly impacted both my credit score and overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm writing to dispute a fraudulent account that has been reported on my credit file. Let me be absolutely clear : I did not open this account, I did not authorize it, and it is the result of unauthorized or fraudulent use of my identity. 

This is identity theftplain and simple. I have no connection to this account, no knowledge of the application, and never gave anyone permission to use my personal information to open it. The presence of this account is not only false, but a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information in my credit report be accurate, verifiable, and reported with a permissible purpose. 

The continued reporting of this fraudulent account is causing serious damage to my credit standing and personal peace of mind. It is unacceptable that I should bear the consequences of someone elses criminal actions.

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 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My daughters auto loan is through BMO, and I help manage the payments. The account had automatic payments set up, but after one bounced, the account was lockedwithout any notice or option to resolve it online. When I tried to log in and make a payment, I was blocked.

I called BMO immediately. The first representative insisted I pay by phone, which I refused due to previous issues with BMO mishandling phone payments. I asked instead for the account to be unlocked so I could pay online. The rep was unable to help and transferred me. I was then passed between XXXX different people, spending over XXXX minutes on the phoneall to fix a problem that ultimately took less than XXXX minutes for the final rep to resolve. 

This should never have escalated to this level. I was ready and willing to make the payment, but BMOs systemand their refusal to offer a simple fixcreated unnecessary delay and risked damaging my credit.

I am requesting that BMO be held accountable for blocking payment access and failing to provide timely or effective customer service. I also want written confirmation that this incident will not result in late fees or negative credit reporting, as the delay was entirely due to system limitations and not my failure to pay.

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 2025-06-30 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: DISCOVER BANK
State: CA

Complaint narrative:
I have been affected by the XXXX  XXXX XXXX. Per 15USC C 2 states except as otherwise provided in this section A consumer reporting agency shall block the reporting of any information on the file of a consumer that, that the consumer identifies as information that resulted from an alleged identify theft. Please remove the following accounts from my credit report Discover XXXX {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOHELA
State: PA

Complaint narrative:
MISSOURI HIGHER EDUCATION LOAN Date Opened XX/XX/XXXX Date Reported XXXX XXXX, XXXX Debt amount : {$3600.00} To Whom It May Concern, I am writing to formally dispute the accuracy of an account that has been reported on my credit file. The account in question is listed under the name Missouri Higher Education Loan Authority ( MOHELA ), with an opening date of XX/XX/XXXX, and a balance of {$3600.00}, last reported on XX/XX/XXXX. I am asserting that this account is fraudulent, does not belong to me, and is the result of identity theft. 

I have never applied for, received, or authorized any student loan or credit account with MOHELA. I was not enrolled in any educational institution affiliated with this lender during the date of origination, and I have no relationship with this company. I believe that this account was opened using my personal identifying information without my consent or knowledge. 

This erroneous listing is severely damaging my credit and financial reputation. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), I am requesting an immediate reinvestigation of this account. Please remove this inaccurate and fraudulent information from my credit file.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing to dispute a fraudulent account that has been reported on my credit file. Let me be absolutely clear : I did not open this account, I did not authorize it, and it is the result of unauthorized or fraudulent use of my identity. 

This is identity theftplain and simple. I have no connection to this account, no knowledge of the application, and never gave anyone permission to use my personal information to open it. The presence of this account is not only false, but a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information in my credit report be accurate, verifiable, and reported with a permissible purpose. 

The continued reporting of this fraudulent account is causing serious damage to my credit standing and personal peace of mind. It is unacceptable that I should bear the consequences of someone elses criminal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX - XXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX - XXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX - XXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX - XXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX - XXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX - XXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly XXXX XXXX XXXX XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX XXXX. XXXX, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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 am writing to request your help in investigating these accounts due to inaccurate reporting on my credit profile. In line with XXXX XXXX, I am formally requesting their removal within the next XXXX days. I have enclosed the relevant documents for your evaluation. Inconsistencies and inaccuracies in the account details are present across the major credit reporting agencies.

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
This letter serves as a formal demand for immediate corrective action regarding Bank of Americas mishandling of my credit card application, resulting in unjustified harm to my credit profile.

I applied for a credit card through Bank of America to responsibly build my credit. The application was approved and a hard inquiry was reported to the credit bureaus. Shortly afterward, the account was wrongly flagged and closed under suspicion of fraud despite no fraud occurring. Your customer service team has since confirmed my identity and acknowledged that this was a mistake. However, I was informed that the account can not be reopened, and I am still left with the consequences of a closed account and a hard credit pull, damaging my credit score.

This is grossly unfair and potentially illegal under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act, which require financial institutions to report accurate and complete information and to promptly correct errors.

You are hereby formally put on notice that unless the following actions are taken within 15 days, I will pursue all available remedies, including : 1. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General.

2. Initiating a dispute with all three major credit bureaus to remove the inquiry and any associated negative account reporting.

3. Retaining legal counsel to pursue damages under the FCRA for negligent or willful reporting of inaccurate information.

4. Exploring a small claims suit for credit damage, lost financial opportunities, and emotional distress.

5. Publicizing this issue through social platforms, review sites, and media if necessary, including your own social pages where this story has already begun.

To resolve this matter immediately and avoid escalation, I demand that Bank of America : Remove the hard inquiry from my credit report Remove or correct any account closure or related negative marks Provide written confirmation of this action I am prepared to fully escalate this situation and take legal action if this matter is not resolved. I urge your executive team to take this seriously.

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 2025-06-30 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'm writing to dispute a fraudulent account that has been reported on my credit file. Let me be absolutely clear : I did not open this account, I did not authorize it, and it is the result of unauthorized or fraudulent use of my identity. 

This is identity theftplain and simple. I have no connection to this account, no knowledge of the application, and never gave anyone permission to use my personal information to open it. The presence of this account is not only false, but a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information in my credit report be accurate, verifiable, and reported with a permissible purpose. 

The continued reporting of this fraudulent account is causing serious damage to my credit standing and personal peace of mind. It is unacceptable that I should bear the consequences of someone elses criminal actions.

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 2025-06-30 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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