vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally file a complaint regarding an unauthorized wire transfer from my bank account held at Wells Fargo. The transaction in question was not initiated or authorized by me.

A wire transfer was made from my account to another bank account without my consent. As soon as I noticed the transaction, I reported it immediately to Wells Fargo and filed a police report. The case is under investigation, and the local police department has confirmed that the transaction appears to have been part of a scam. I have attached a copy of the police report and relevant evidence showing that the transfer was fraudulent and not executed by me.

Despite presenting all the documentation and contacting the bank multiple times, Wells Fargo has refused to reverse the transaction or refund the amount, stating that because it was part of a scam, I am not eligible for recovery. I believe this response is unfair and not in line with consumer protection laws, especially considering that I took immediate action and submitted a police report.

I am requesting that the CFPB investigate this case and assist in obtaining a full review from the bank. I am seeking reimbursement of the full amount transferred without my consent. 

Amount taken : XXXX Date that the money was taken : XX/XX/year> Thank you for your attention to this matter.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, and with my FTC Identity Theft Report, I dispute this account. Remove this item immediately. Account name XXXX 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 2025-08-05 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I got an auto loan with Capital One in XXXX of 2023. I have never been late, never missed a payment, and I pay more than the actual payment due. Since having this loan, my credit score is taking a hit every quarter because Capital One reports a balance increase. They are charging me a daily interest rate on top of the interest rate for the loan. When I talked to them about this, they said this was accurate. That, even though I am never late and have never missed a payment and pay extra to pay off the loan, they are still charging me a daily interest, and it is affecting my credit score in a negative manner. This does not make sense. When I spoke to a lady from the President 's office of Capital One she stated that this was all completely accurate. Captial One has been reporting a balance INCREASE on my loan to the credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
Subject : Urgent Request for Removal of Fraudulent Account from Credit Report XXXX XXXX Account Dear [ Experian / TransUnion / Equifax ], I am writing to formally request the immediate removal of a fraudulent account from my credit report : XXXX XXXXXXXX XXXX This account does not belong to me, and I have previously disputed it. However, it is still being reported on my credit file, which is in direct violation of federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], credit reporting agencies are required to investigate disputes within 30 days of receiving a consumer 's dispute. If the information can not be verified, it must be removed promptly. Additionally, under FCRA 605B, when a consumer identifies information as resulting from identity theft or fraud and provides appropriate documentation, the bureau is required to block and remove the fraudulent data within 4 business days. 

This fraudulent XXXX  XXXX account has exceeded both the dispute investigation period and the FCRAs mandated time frame for removal of fraudulent data. I have enclosed proof of previous disputes and supporting documents confirming this account is not valid. Continued reporting of this false information is damaging my creditworthiness and may be considered a violation of my rights under federal law. 

I am demanding the permanent removal of this XXXX XXXX account from my credit report immediately, and request written confirmation of this action. 

Please consider this matter urgent and treat it accordingly. If the account is not removed within the required time, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals Office, and will consider seeking legal remedies. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX -- - Attachments : Copy of government-issued ID social Documentation of previous dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To : TransUnion & Experian Dispute Departments RE : Multiple Dismissed XXXX  XXXX  Bankruptcy Filings You are reporting multiple Chapter 13 bankruptcies that were dismissed. Dismissed filings carry no legal weight on indebtedness and do not reflect a consumers creditworthiness in the same manner as a discharge.

Pursuant to 15 U.S.C. 1681e ( b ) and 1681c ( a ) ( 1 ), please provide documentation supporting continued reporting of these entries, their accuracy, and their non-duplicative nature. If no legal judgment or discharge exists, these records should be suppressed or deleted. 

I request a reinvestigation and deletion of any inaccurate or duplicative public records within 30 days. 

I have filed a report with the FTC. 

Sincerely, 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 2025-08-05 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XX/XX/XXXXaccording to XX/XX/XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-05 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: NY

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MT

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 have contacted both Transunion and the companies, XXXX XXXX and XXXX XXXX XXXX, regarding the incorrect and fraudulent accounts they are listing in my name. I have also sent documentation along with an FTC identity theft report and TransUnion still is reporting these accounts, along with fraudulent inquiries on my credit file. TransUnion also placed an internal block on my credit report/file that I requested them to remove and nor did I give them permission to place any types of blocks on my file. I am not able to view my credit report online, nor will they accept any of my documentation on my disputes to get any fraudulent and inaccurate accounts or inquiries blocked and removed from my credit report, which they advised, due to the internal block they have unjustly placed on my file. XXXX XXXX XXXX also advised that they notified the credit bureaus to remove, and/ or delete these accounts off of my credit report! TransUnion continues to make this process very difficult and almost impossible and are denying all of my valid documents received in order to block and remove these fraudulent and inaccurate accounts and inquiries.

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 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Hello, I took out a loan amount of {$3000.00} that I have been paying for about 4 years biweekly for XXXX for a total of about {$9000.00} so far. When I reached out to the loan company, I was told that I still have 9 payments left and there was no option to settle after I shared that I have paid three times the loan amount and could no longer continue to pay. I believe the terms of the loans to be predatory with extreme high interest rate. I called two times, and both times I was told that paying the loan is my only options. Instead, they offered to finance me with more money.

I am submitting this complaint under a bad faith and predatory loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
In late XXXX, XXXX XXXX online system would not allow me to log in and make a payment. My account showed a {$0.00} balance/credit, so I believed no payment was due. 

In XXXX, I was notified I was late on payment. Ive since been locked out of my account, unable to make a payment. Ive tried calling and emailing with no response.

It is now 5 past my due date, and I still can not make a payment or access my account. I am requesting my account be unlocked, late fees waived, and no negative credit reporting applied, as the issue originated on Nissans end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court The United States Bankruptcy XXXX for the District of Maryland that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court The United States Bankruptcy XXXX for the District of Maryland that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I paid off my entire loan. I was supposed to be repaid a promissory note of {$580.00}. However this company had been claiming that they paid me the amount already when in fact I never received the money. The claimed that they deposited the amount on XX/XX/year>2025. I sent them a bank statement proving that the money was never deposited. I called them and they said that a check was actually sent in XX/XX/year>2025 and that it was cashed. 
I never received this check nor did I cash any checks from upstart for the amount of {$580.00}. 

In fact I received a letter from them through the mail on XX/XX/scrub>, 2025 stating that they were were going to reimburse me the amount and a check was going to be sent. All of their claims are contradictory and they have not sent or resolved my issue since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
The accounts listed are the result of fraudulent activity and were not authorized by me. As required under USC 1681g, I demand their removal within 15 days. Supporting materials are enclosed.

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 2025-08-05 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: KS

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

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXD, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$460.00XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} INQUIRIES XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLIANT CREDIT UNION
State: DC

Complaint narrative:
I am a FORMER Alliant Credit Union customer. They refuse to close out my membership. I know this because every few days I receive an unrequested solicitation from one of their partners, often XXXX selling XXXX XXXX XXXX, which are addressed to Members of Alliant. I am not a member of Alliant, yet Alliant is lying to its business partners and advising that I am. Since I am not a customer, the so-called privacy policy does not apply. Alliant is therefore sharing my private information without my consent. Alliant is committing fraud to enrich itself by selling former client information.

Company response to consumer: Closed with explanation