vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, I discovered ~ {$3500.00} in unauthorized XXXX charges on my XXXX year Wells Fargo checking account # XXXX ( debit card ending XXXX, a XXXX debit ). We immediately reported this in-person at the XXXX branch to bankers XXXX XXXX and XXXX XXXX XXXX who assured me a dispute would be filed and the card replaced. Despite this, fraud continued unchecked until I returned on XX/XX/year>, at the XXXX branch ( XXXX XXXX XXXX XXXX ), where XXXX XXXX finally canceled the card and submitted the full claim for XXXX remote, out-of-state charges totaling {$18000.00} ( XXXX XXXX XXXX XXXX  ). 

Wells Fargo denied my claim on XX/XX/year> ( Ref. # XXXX ), citing XXXX reasons : ( XXXX ) card in possession ; ( XXXX ) similar timing/merchants ; ( XXXX ) similar types/amounts ; ( XXXX ) no further card-present attempts post-closure. This denial is factually wrong and negligent : - The last legitimate card-present transaction was XX/XX/year> ( {$32.00} at XXXX 's XXXX XXXX XXXX attached XX/XX/XXXX printout ). All XXXX charges started XX/XX/XXXX as card-not-present ( remote ) from XXXX ( no travel history there ), indicating theft/loss between XX/XX/XXXX. 
- My history shows low-volume, local spends ( e.g., {$28.00} {$36.00} gas, {$10.00} XXXX ' XXXX < $ XXXX ; no repeat merchants XXXX dayssee attached printout, XXXX 2025 ). XXXX ( title loans ) is unrelated ; charges ( {$0.00} tests to {$3000.00} ) scream fraud, not habit. 
- No similarity : Routine locals ( e.g., XXXX 's, ATMs ) vs. escalating remote loans. 
- Fraud stopped XXXX XXXX XXXX  * before * cancellation ( XX/XX/XXXX ). Bank 's delay post-XXXX XXXX report allowed {$14000.00} more losses, violating elder protections. 

I demand reversal under EFTA ( 15 U.S.C. 1693 ) and Regulation E ( 12 C.F.R. 1005 ) : timely notice limits liability to {$50.00} ( 1005.6 ( b ) ) ; burden shifts to bank for proof of authorization ( 1005.6 ( b ) ( 3 ) ) none provided. No provisional credit issued ( 1005.11 ( b ) ) ; investigation superficial ( 1005.11 ( a ) ). As a vulnerable senior, this breaches CFPB elder fraud guidance ( " Protecting Older Adults from Fraud, '' XX/XX/year> ) and XXXX Advisory ( XXXX ). XXXX rules ( Code 10.4 ) also mandate reversal for card-absent 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 2025-11-25 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: NY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-25 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: NY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
XXXX dollars was taken off my varo card to my chime I no longer have access to that phone it was stolen payments was sent to accounts in XXXX XXXX XXXX XXXX Im from XXXX XXXX and have never made and transaction like that to anybody out of town they said they did the proper investigation and its up to me to get my funds back! How when I dont even know where they was sent to nor what they was sent FOR!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint as a documented victim of identity theft. 
I have attached a sworn Identity Theft Affidavit pursuant to FCRA 609 ( e ).

Multiple fraudulent accounts were created in my name without authorization.

These accounts were later deleted by Experian, but I am requesting full identity theft processing under federal law.

I am requesting the following : 1. Removal of all fraudulent accounts, inquiries, and identity-theftrelated items.

2. Removal of any internal fraud markers, suppression codes, or non-public fraud flags still tied to my file.

3. Removal of all associated addresses, employers, phone numbers, and personal identifying information connected to past fraud.

4. Full documentation required under FCRA 609 ( e ), including : applications signatures IP logs authorization forms transaction histories internal fraud determinations These accounts were not mine, not authorized by me, and were created by unknown individuals.

I did not receive goods, services, or funds from any of these accounts.

Attached : CFPB-compliant Identity Theft Affidavit Experian dispute results showing accounts were deleted I request full investigation and compliance with FCRA 609 ( e ), FCRA 605B, and all CFPB identity theft requirements.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On November 710, 2025, multiple unauthorized Lyft charges were withdrawn from my Bank of America account ending in XXXX. I only authorized XXXX ride for approximately {$17.00} {$27.00}, and I did not use this Bank of America card for XXXX. My account is new ( opened XXXX 2025 ), and the card was never added to my XXXX app or used historically with XXXX. 

Immediately after the XXXX authorized ride, several large charges appeared, all showing as XXXX XXXX XXXX XXXX, which I did not authorize. 

I contacted XXXX directly. XXXX confirmed in writing ( screenshots provided ) that : They can not locate these charges on their end They can not verify any transaction using the card ending in XXXX They state the charges werent from our end They advised me to dispute with the bank They provided a reference number documenting this This confirms the charges are unauthorized. 

I filed a Regulation E dispute with Bank of America. Regulation E requires the bank to : 1. Conduct a reasonable investigation 2. Allow the consumer to submit evidence 3. Not block or deny the consumer from providing documents 4. Provide provisional credit if the investigation takes more than XXXX XXXX XXXX Bank of America has not complied with Regulation E. 
They denied my claim while giving me no working way to upload evidence. Their dispute portal will not allow document uploads, the email link they provided does not function, and they have not offered any alternative way to submit supporting documentation. 

Despite XXXX confirming the charges are not from them, Bank of America still refuses to credit my account or conduct a proper investigation. I have acted quickly and provided everything requested, but the bank has prevented me from participating in the investigation, which is a direct violation of Regulation E ( 12 CFR 1005.11 ).

I am requesting CFPB assistance to : Require Bank of America to follow Regulation E Conduct a legitimate investigation Review the XXXX evidence provided Restore the unauthorized funds removed from my account

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 2025-11-25 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: CA

Complaint narrative:
XXXX writing this letter to formally correct and/or update the Personally Identifiable Information ( PII ) that your agency is apparently storing in a credit file under my SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NV

Complaint narrative:
I am disputing the following accounts on my Experian credit report, as they contain inaccurate and outdated information. I request that they be reviewed for completeness, accuracy, and proper reporting in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9400.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXXXXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXXXXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} Inquiries XXXX XXXX XXXX - Date of Inquiry : 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 2025-11-25 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: FL

Complaint narrative:
Dear Sir/Madam, I am requesting a review of the following accounts listed on my Experian credit report. I believe these accounts may have inaccurate reporting regarding the charged-off status and late payments. Below are the accounts I dispute. 

Charged Off Accounts : ACHIEVE PERSONAL LOANS Account Number : XXXX Date Opened : XX/XX/year> Balance : {$3200.00} Late Payments : XXXX Account Number : 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 2025-11-25 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:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-11-25 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:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because I believe that inaccurate or unverifiable information is being reported on my credit file by the credit bureaus listed below. I am requesting an investigation into these matters and corrections in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Accounts [ No charged-off accounts currently listed in this dispute section. ] Inquiries XXXX XXXX XXXXXXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> The Golden XXXX Credit Union XXXX XXXX XX/XX/year> I do not recall authorizing these inquiries. Please provide verification of permissible purpose as required under FCRA 604 ( a ). If no documentation exists proving my authorization or a valid application, I request that these inquiries be removed. 

Late Payments XXXX Account No : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account No : XXXX I dispute the late payment information on these accounts as inaccurate. I request that Experian contact each furnisher to verify full payment history and documentation supporting the reported delinquencies. If the data can not be verified, please remove or correct it as required by law.

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 2025-11-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that can not be verified in accordance with FCRA standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report as provided by Experian. Please review the details below : Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Open Date : XX/XX/year>, Balance : {$24000.00} Late Payment : XXXXXXXX XXXX XXXX Account Number : 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 2025-11-25 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: OK

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 non-monetary relief
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am disputing the following accounts listed on my Experian credit report. The information is either inaccurate or incomplete, and I request that you investigate and correct these items. 

CHARGED OFF ACCOUNT NAME : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App for wrongfully denying my dispute for an item that was never delivered to my address. 

I ordered a television from XXXX and paid {$320.00} using Cash App. XXXX  tracking information shows the package was delivered to the wrong apartment, not my residence. I never received the item. I did not authorize delivery to any other address. 

Despite this, Cash App denied my dispute using a vague statement claiming : Based on the information available to us, the merchant fulfilled their obligations. 

Cash App provided no evidence to support this denial, including : No GPS delivery coordinates No delivery photo at my address No signature linked to me No confirmation the package was delivered to my actual residence They denied my dispute without showing any proof of correct delivery, which violates standard dispute-handling requirements and consumer protection regulations. A merchant can not fulfill their obligation by delivering a product to the wrong location. 

I paid for a product I never received, and Cash App is refusing to refund me despite being unable to produce any evidence that the merchant delivered the goods to my address. 
I am requesting the XXXX  assistance in requiring Cash App to : XXXX. Reopen my dispute XXXX. Provide actual delivery evidence tied to my address OR XXXX. Issue a full refund if they can not provide proof Cash XXXX  refusal to provide evidence and their denial of my refund is improper, deceptive, and financially harmful. I am being held responsible for a product I never received and that was delivered to a completely incorrect location.

Company response to consumer: Closed with explanation