vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} 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, XXXX as proof from the XXXX 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
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/XXXX, I deposited a check of $ XXXX into my navy federal credit union account. The check was from my personal bank account ( XXXX ). I bought a business on XX/XX/XXXX that uses a XXXX  system that would not transfer bank accounts for where money was being sent. When I spoke to Toast ( XXXX XXXX ) they could not provide me with any timeline expectation. I needed supplies to continue operations. So, I chose to deposit my own money into my XXXX account to use for supplies. By the time I got back to the parking lot I already got an email saying there was suspicious activity and my account was restricted. I called immediately and was told only that the security team would have to look into it. I called XX/XX/XXXX at XXXX and XXXX. I was ultimately told nothing other than to wait. On XX/XX/XXXX I called at XXXX and was advised to fill out an appeal form. I submitted that at XXXX. On XX/XX/XXXX I asked about pulling out funds from that account and was told I could. On XX/XX/XXXX my personal and business account with navy federal were frozen. I could no longer pull out funds. I called at XXXX and when asked how I could prevent this from happening in the future, the lady replied " that's a really good question. '' I submitted another appeals form on XX/XX/XXXX at XXXX XXXX  explaining how not having access to any funding for the entire 1st month of Operations so far has left me unable to pay employees and I can no longer afford supplies. Navy federal has at no point proven fraud or explained what triggered any of this. They have also told me, essentially, that there is no way to prevent this from happening again in the future. This seems to be an unfair practice creating impossibly difficult hardship on me and my employees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies.I entered into a loan agreement with XXXX XXXX. A tradeline reflecting this account was added to my credit reports shortly thereafter. my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation.

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 2025-08-15 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: TX

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies.I entered into a loan agreement with XXXX XXXX. A tradeline reflecting this account was added to my credit reports shortly thereafter. my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Dear Representative, I am writing to formally dispute the accuracy and legality of a charge-off reported on my credit file. The details of the account are as follows : Creditor Name : WFBNA  Date Opened : XX/XX/XXXX Date of Reported Charge-Off : XX/XX/XXXX This reporting is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) for the following reasons : The creditor has failed to comply with federal requirements by not issuing a Form 1099-C for cancellation of debt, as would be expected if the account was truly charged-off and considered canceled. The continued reporting of this account as charged-off without proper debt cancellation documentation constitutes incomplete and misleading reporting, prohibited under 1681s-2 of the FCRA. The absence of a 1099-C calls into question whether this account is validly charged-off, thereby rendering the current status unverifiable. Under the FCRA, you are required to ensure the accuracy, completeness, and verifiability of information in my credit report. I am requesting that you conduct a full investigation into this matter and provide me with the original documentation from the creditor that substantiates both the validity of the charge-off and the issuance of a 1099-C. If the account can not be fully verified with appropriate documentation, I am requesting that the charge-off be removed from my credit report immediately in accordance with the FCRA. I have enclosed copies of my identification and proof of address for verification purposes. Please respond with your investigation results within the 30-day time frame allowed under federal law. Sincerely, 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 2025-08-15 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: NJ

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
CFPB Complaint Draft Issue Type : Bank account or service Transaction issue ATM or debit card transaction problem What happened : On [ insert date ], I attempted to deposit {$2000.00} at a Bank of America ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX ( ATM ID : XXXX ). The ATM malfunctioned, shut down during the transaction, and only returned {$50.00}, leaving {$1900.00} unaccounted for. 

Immediately afterward, I contacted Bank of Americas customer service line. I was placed on hold for over an hour, transferred multiple times, and eventually spoke with a supervisor named XXXX in Arkansas. He was dismissive, repeatedly cited my account agreement, and told me that the funds were not accounted for. When I asked for the ATM transaction history and camera footage to be reviewed, I was not given any assurance that this would occur. 

I was then informed that I would have to wait 1045 business days for the claim to be investigated. This timeframe is unreasonable and creates significant hardship, as the funds belong to me and should never have been withheld due to an equipment malfunction. 

Steps Ive taken so far : I reported the issue to Bank of America immediately through their support line. 
I escalated the matter to their Executive Relations team via email. 
I provided the ATM ID ( XXXX ) and requested review of transaction logs and security footage. 

Requested Resolution : Immediate investigation of the ATM malfunction, including review of transaction history and security footage. 
Prompt credit of the missing {$1900.00} to my account. 
Assurance that Bank of America has procedures to handle similar ATM malfunctions without excessive delays for customers.

Why this is important : This was a straightforward deposit error caused by a Bank of America machine, not customer error. The delay of 1045 business days is unacceptable and raises concerns about whether Bank of America has adequate safeguards and resolution processes in place for ATM malfunctions.

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 monetary relief
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is a continuation of complaint XXXX. 
This complaint was closed without the reason for the complaint ever being addressed by Wells Fargo or CFPB. 
I made a comment about the non-resolution or answering of questions to the problem and still the complaint was closed. 
I will state again that Wells Fargo took over my account when they bought Wachovia Bank in XXXX or earlier. Wells Fargo stated that NO changes would be made to my senior checking account. In XXXX of XXXX, Wells Fargo closed the senior checking account known as XXXX XXXX. They didn't have authority to do this per earlier guarantees that the account would not be modified or closed. They modified and closed the account and made it into something else. This complaint is not about Insufficient Funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
I am getting repeated text messages You do not have my consent to contact me by phone, text message, or any other method except by email at XXXX. It is an inconvenience to contact me at all regarding any alleged debt. 

This is a formal demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c for you to provide full validation of the alleged debt you claim I owe. Your validation must include : 1. A complete flow sheet of the alleged account ( s ), including accounts receivable and payable records.

2. A copy of the original wet-ink signed contract bearing my signature.

3. The original purchase agreement or assignment of debt showing you lawfully purchased or were assigned this alleged debt from the original creditor.

4. A full accounting and itemization of the claimed amount.

5. Your bond information and proof you are licensed and bonded to collect debts in the State of Washington. 
6. Proof that you are legally authorized to collect debts for XXXX in the XXXX of Washington. 

Additionally, you are hereby demanded to immediately remove and request deletion of this alleged debt from any and all third-party credit bureaus ( including but not limited to XXXX XXXX, and XXXX  ) until such time as you have fully validated the debt according to law. 



XXXX XXXX Notice This alleged account is and has always been trust res belonging to the XXXX XXXX XXXX XXXX XXXX XXXX, over which I serve as Executrix. Any attempt to collect, report, or enforce alleged obligations against this trust res without my explicit written consent constitutes unauthorized administration of trust property and breach of fiduciary duty. 

I give conditional consent only for the NAME appearing on your records to be billed in its trust property capacity, and not as a personal obligation of the living woman. All billing, accounting, or collection activity must reflect that the obligation is trust property and is not the liability of the Executrix in her private capacity. 



This is also a cease and desist notice for all telephone calls, text messages, and mailed solicitations. Any further contact outside of written email correspondence will be considered willful violation of the FDCPA. 

You have 48 hours from receipt of this notice to acknowledge by email to XXXX that you have received this demand, and five ( 5 ) days from receipt to provide all requested information in full.

Failure to respond within these timeframes will be considered refusal to validate and will subject you to liability for violations of the FDCPA, including potential civil damages. This notice preserves all rights and remedies available to me under federal and state law and equity. 

XXXX XXXX, XXXX XXXX, Washington XXXX to the XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX  stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift 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 explanation
Consumer complaint received 2025-08-15 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-15 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief