vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have been attempting to get this issue resolved well over a XXXX  now. I have a Wells Fargo card that I have not been able to enroll in online banking. Online Banking is important to me because it allows me to monitor my transaction activity and management of my payments. 

After speaking with customer service, I learned that my maiden name is included on the card, and I needed to submit documentation. I submitted my Driver 's License and marriage certificate. I received a new card with my new name. I tried to enroll the card, and I received an error that my information could not be verified. I was then informed I needed to resubmit the information, this time requiring a notarized statement. I sent that in as well. I followed up again ; this time I received a change of information form that instructed me to submit my marriage certificate and DL. I sent that information. I received ANOTHER card. 

In XX/XX/year>, I called because I still could not enroll my card. I was then informed that I have an older online IRA account with my maiden name, and the online banking system is not allowing me to set up and can not merge with my credit card account. At this point, i closed my IRA account and received a marginal deposit to close the account. I was assured that once this online profile account is closed, I will be able to get my card set up. This was in XX/XX/year>. 

As of XX/XX/year>, I am still not able to enroll my credit card online and NOONE seems to be able to help. I am a customer who remains diligent with my card and the promises of customer service has not been delivered. I feel that customer service has continuously given me scripted responses, misleading information and leaving to be confused. It is my right to have access to my information according to the terms and agreements that I have signed.

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 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
A company called " XXXX '' called me, my husband, mother, and father on XX/XX/year> claiming that Acima was creating a legal case against me for a debt owed. They told my family that I would be located at their residence unless they heard from me. When I called back, they said I would have to pay {$3000.00} in legal fees or I could pay {$1000.00} over the phone at that moment. I asked them to send me all this information in writing and they refused. I asked for a receipt after the payment and they also refused. No information was given and when I said I would contact Acima, they were very rude and told me they would proceed with filing a lawsuit against me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 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: PA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, incomplete, and unverifiable items that are currently being reported on my credit file. These errors are negatively affecting my credit profile, and despite my efforts to resolve these issues directly with the credit bureaus and XXXXurnishers, they remain uncorrected. 

1. Wrong Personal Address Reporting The following addresses are incorrectly associated with me and should be removed immediately, as I have never lived at or been connected to these residences : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX These are clear violations of the Fair Credit Reporting Act ( FCRA ) Section 609 & 611, as they are inaccurate identifiers that may cause mixed or merged credit files.

2. Inaccurate Account Information The following accounts are being reported inaccurately and/or in violation of the FCRAs accuracy and verification requirements : XXXX BANK XXXX Account : XXXX ) Reported as Charge Off, which is inaccurate, misleading, and unverifiable. 

XXXX Accounts ( Multiple Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) Reported as Late Payments with {$0.00} balances. These are highly questionable, inconsistent, and unverifiable. A {$0.00} balance should not be simultaneously reported with delinquencies, as this is misleading and damaging. 

XXXX. Unauthorized / Questionable Hard Inquiries The following inquiries are being reported on my credit file without my authorization or any permissible purpose under FCRA Section 604 : XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX These inquiries were not authorized by me, and I request that they be fully investigated and removed. 

Requested Relief I am demanding that the CFPB investigate these reporting violations and require the credit bureaus and furnishers to : Immediately delete the wrong addresses listed above. 

Delete or correct the inaccurate accounts that are being misreported ( XXXX XXXX XXXX XXXX accounts ). 

Remove the unauthorized inquiries listed, as they lack permissible purpose. 

Ensure that all future reporting complies strictly with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and is accurate, complete, and verifiable. 

These inaccuracies are causing significant harm to my creditworthiness and financial well-being. I am exercising my rights under the FCRA and requesting prompt resolution.

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 2025-10-07 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: MO

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Before I paid a negotiated settlement on my Capital One credit card ending in XXXX ( opened XX/XX/XXXX ), a Capital One representative promised deletion of the tradeline ( pay-for-delete ) in exchange for settlement. Relying on that, I paid. 

My report now shows Paid in settlement. {$780.00} written off. Status updated XX/XX/XXXX On record until XX/XX/XXXX, which contradicts the promise and is damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I opened an Axos ONE account, which includes a checking and savings account, based on the advertised 4.51 % APY on the savings account. According to their terms, this rate is earned when I meet either Option 1 or Option 2 of their qualification criteria. 

On or before XX/XX/year>, I satisfied Option XXXX, which requires : Qualifying monthly deposits totaling at least {$5000.00} ( I completed this via ACH transfer ). 

Maintaining an average daily balance of {$5000.00} in the checking account ( I transferred sufficient funds to meet this requirement by early XXXX, including a transfer of {$35000.00} to checking on or around XX/XX/XXXX ). 

Despite meeting these requirements, my account still shows the default APY of 1.01 % on savings. I contacted support via live chat on XX/XX/year>, and the representative initially confirmed the rate wouldnt update in real time but would appear on the monthly statement if requirements were met. 

I asked what was missing, and the agent acknowledged that I met the deposit requirement but then claimed the average daily balance had not been met, despite my balance being at or above {$5000.00} per day since the transfer. I asked for clarification, and when it was clear I did meet the requirements, I requested escalation to a supervisor or manager. The agent refused to connect me directly, stating that a supervisor could contact me in 23 business days. 

I consider this misleading and possibly deceptive. There is no transparency in the rate being earned in real time. Consumers are unable to verify if they are meeting the terms during the qualification period. The support experience was also unhelpful and dismissive, leaving no clear way to resolve the concern. I believe this may violate the Truth in Savings Act or other federal regulations requiring clear disclosure of APY and account terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've been trying to dispute an account on my Experian credit report for months keep receiving message that the dispute could not be processed online and to call. When I called 2 months ago, I was told the account status is too new to review. When I called the creditor, I keep getting transferred to a new representative that states " it's a new case '' and they have to look into it. But Experian continues to update my report with increased debt amounts for charges that I did not authorize or incur. I tried to contact Experian today and wasn't able to speak with a live representative.

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 2025-10-07 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: LA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-07 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 dispute multiple accounts appearing on my credit report that I did not authorize, open, or manage. These accounts are not mine and their presence is inaccurate and damaging to my credit history.

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 2025-10-07 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:
FCRA Violations Not mine Not my Utilitys THE XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$93.00} Status Account charged off. {$93.00} written off. {$93.00} past due as of XX/XX/XXXX. 
never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed not my name XXXX XXXX XXXX XXXX  not my inquiriy 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 2025-10-07 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: NY

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: AL

Complaint narrative:
On XXXX XXXX I initiated a deposit/transfer on XXXX and accidentally selected my Wells Fargo debit card ( account ending XXXX ). My Wells Fargo checking account had a {$0.00} available balance. In XX/XX/year> I called Wells Fargo and asked a representative to enable XXXX XXXX XXXX XXXX XXXX XXXX this account ; I have a record of that call XX/XX/year>. Despite that request, Wells Fargo allowed the transaction to post, put my account into a negative balance of approx. {$80.00}, and assessed an overdraft fee of {$35.00}. 

I called Wells Fargo on XX/XX/year> to have the overdraft reversed and/or the fee removed. A representative told me I had not been enrolled in XXXX XXXX and refused to remove the fee. I want Wells Fargo to remove the overdraft fee ( XXXX ), reverse the negative balance, and provide a written explanation of why my XXXX request to enable XXXX XXXX was not completed.

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 2025-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
This was during XXXX  when me and my spouse moved into XXXX XXXX XXXX XXXX XXXX. At the time, a lot of construction was being done to the apartment complex and a lot of plumbing was being done as well. Due to this, the water would randomly be turned off and I worked from home, so it was already an inconvenience to my work schedule and not being able to use the water. I can only recall them saying something once, which was when they first started turning the water off. After the first notice, there was no communication whatsoever about turning the water off and to me that was very unprofessional. It got to a point where we thought something was wrong with our apartment which almost lead to us reporting to the front office. So one day, were out running errands and we get a call from the complex stating that our apartment was flooding and it was getting into our neighbor 's houses. By the time we got there, there was at least an inch of water in the house and took all day to drain. I have XXXX, so I cant live in nothing moldy or it will trigger my XXXX instantly. Mind you, I didnt even stay there a full month yet and this already happened. So me and my partner had to scrape what we could find to move AGAIN because it was such a liability to be there and I was not about to get sick staying in an apartment that will not be the same after draining. So I would really appreciate if this gets thrown out. I havent had my own place since XXXX  and I just dont feel like this is my fault at all. Ive been trying for years to get this off my credit but with every attempt, they keep adding interest and saying its accurate information. Im not paying for any of this because why is XXXX XXXX turning the water on and off XXXX a week, XXXX hours a day?! I can understand once because its a plumbing issue, but I was working from home. How are you going to tell me that I dont need to be home when thats literally how I work?? Please, I just need this taken off. I cant apply for an apartment no where and its so frustrating when I just dont feel responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: VA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX XXXX and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX Account Number XXXX Balance : {$12000.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXX Balance {$230.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX  and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: CA

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

1681c2 ) that you, the Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation