vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hi I called Wells Fargo XXXX XXXX due to XXXX XXXX charging my card without any of my authorization for an account membership I NEVER nor talked to anyone about having in my name. So when I saw that XXXX charged my card I immediately told Wells Fargo and they were able to get my money back however the next following day XX/XX/year> I called Wells Fargo AGAIN to have them block XXXX from authorization/ access to my card because they charged my card once again. And they can prove that because I absolutely called the next following day because they charged it once again when I was at work with no authorization again. I finally got them to block the merchant. I went to XXXX XXXX in person and they said they can charge any card that you use for a payment in the store for a membership fee which sounds illegal so I told them I didnt have an account with them at all and my parents did and Im not on that account so how did my card in my name get charged {$110.00} not once but twice without my authorization. I was told and made out to believe this case was finished when I got my money back from them. Well I was wrong today XX/XX/XXXX I was just charged {$110.00} from my money from a claims reversal. I called Wells Fargo to get to the bottom of this because the only claim I had was with XXXX that was in XXXX its XXXX now. And they said because they gave me a credit of {$110.00} they took it back. And that they can because I still have an open investigation and when a case opens they have 45 days to act on it. Well its been longer than 45 days if that was the case they should have took the money if it was money to take out in the beginning of XXXX it is XX/XX/XXXX and now they are technically stealing my money. Also they dont have any ownership on this money as for XXXX charged me twice. Wells gave me 1 credit for {$110.00} the first charge that XXXX took from me. Then XXXX charged me again the next day and XXXX gave me the money back for 1 of the transactions. Im saying if wells wanted their money back they needed to get it from XXXX because they double charged me. But now Wells Fargo is stealing me from me and I am owed {$110.00} Also how can they ( Wells Fargo ) give me a credit for {$110.00} of XXXX only charged me once that doesnt make any sense why would I call back the next day if they didnt charge me twice Im not lying this is what happened Im not crazy nor greedy

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I am formally requesting an immediate investigation and restitution regarding unauthorized liquidations that occurred on my Kraken account while it was under restriction due to a delayed bank transfer. 

Summary of Events My account was restricted approximately 6 days ago due to a bank transfer that Kraken took excessively long to complete. 
During this restriction period, I did not execute or authorize any trades. 
However, Krakens own ledger shows that over 90 % of my portfolio was liquidated, despite the user activity logs showing no trade orders initiated by me. 
My loss was approximately XX/XX/XXXX {$250.00} in immediate liquidation, but the long-term value of the assets easily exceeded XX/XX/XXXXXXXX. 
I had no ability to prevent these liquidations and did not consent to them. 

Violations and Concerns This situation constitutes : Unauthorized transactions Mishandling of consumer assets Failure to safeguard a restricted account Potential system error or internal execution failures Unfair or deceptive business practices ( UDAAP ) Negligent processing of deposits

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 2025-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
Mohela student loans owes a debt to me. I have paid off 101 % of my student loans. Due to their error of charging interest during a time of interest forbearance, Mohela owes me {$630.00}. Which they refuse to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
On XX/XX/XXXX, XXXX charged my debit card {$59.00}. This was due to a previous autopay that had been terminated. I setup a payment plan for a future date, which XXXX confirmed. They further confirmed that my auto-pay would be terminated due to the payment arrangement. 

I disrupted this charge with the issuing bank via XXXX  and they denied the dispute stating that the fact it was immediately taken out after money was deposited, only I could've initiated it. But if they had looked further, they would see multiple attempts by this same party due to autopay previously having been established. They just happened to attempt the charge again right after I deposited money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital One restricted my credit card account on XX/XX/XXXX and I was told they needed to verify my income with bank statements showing my deposits. They would not accept paystubs or anything else. The current restriction now shows XXXX case tied to possibly XXXX external accounts ( XXXX and XXXX ) which I never provided or authorized and that are both closed. I provided documentation showing at least XXXX is closed, and Capital One removed XXXX account, yet my credit card remains fully restricted and I am still being required to verify closed accounts with statements. I provided bank statments showing deposits as requested and I provided an extra deposit verification for my active bank account. There was no clarification or indicator that they were asking for statements from a closed account as I never linked those accounts. I found the issue and I later linked my correct active bank account and made a {$3000.00} payment which posted successfully. Despite this, all charges remain blocked. Supervisors refuse escalation and there is no way for me to reach backend Risk or Compliance to correct this system error. I am requesting manual removal of all unauthorized external account data and restoration of full account access. This has caused me major financial issues. I opened the account to take advantage of the balance transfer offer which would allow me to transfer a balance that has high interest to a 0 % interest until 2027. I made a payment under the assumption I would have availible funds as I was not at my limit even before the payment. I did not get to do the balance transfer so the {$3000.00} payment I made took away my availible cash, interest was charged on the account I intended on doing the transfer, and I have no credit card to use while waiting on a call from the back office that never came in. On top of all of this, I had to figure out the issue on my own as their representatives still keep telling me different and wrong information and refuse escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, and the inquiries still remain. This lack of action is unacceptable. Their continued presence is highly alarming, raises serious concerns about potential identity theft, and has resulted in ongoing emotional and financial harm.

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 2025-12-09 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: NJ

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this identity theft and inaccurate reporting complaint because XXXX is reporting information on my credit file that does not belong to me and/or is the result of identity misuse. The information being reported is false, unverifiable, and does not reflect my actual account history. Because of this, I am requesting a full investigation and immediate removal.

Under the Fair Credit Reporting Act ( FCRA ), I am invoking the following rights : FCRA 602 ( 15 U.S.C. 1681 ) My consumer report must be fair, accurate, and free of false information.

FCRA 603 ( q ) & 605B ( 15 U.S.C. 1681a ( q ), 1681c-2 ) I have the right to block and remove any information resulting from identity theft or unauthorized activity.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Credit bureaus must maintain maximum possible accuracy. The information being reported does not meet this standard.

FCRA 611 ( 15 U.S.C. 1681i ) I have the right to dispute inaccurate or fraudulent information and require verification or deletion.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ) Furnishers, including XXXX, are prohibited from reporting information they know or should know is inaccurate.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) Once a dispute is submitted, XXXX must conduct an investigation and must delete any unverifiable or inaccurate information. 

The Avant account being reported shows inaccurate data, including a balance that has remained unchanged for years, late payments that are incorrect or unauthorized, and activity that I did not make or approve. These inaccuracies suggest identity misuse, unauthorized reporting, or improper account handling. 

Because this information is false and unverifiable, I am requesting : XXXX. An identity theft investigation into the XXXX account reporting. 
XXXX. Complete removal/blocking of the XXXX account and all related negative information under FCRA 605B.

3. Deletion of all inaccurate, unverifiable, or unauthorized late payments, balances, or activity.

4. A written confirmation once the information has been removed.

This inaccurate reporting is harming my credit and does not reflect authorized or legitimate account activity. I request immediate correction under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
In late XX/XX/2025, I submitted a request to Equifax Commercial Services to correct multiple inaccurate items on my companys business credit file. Equifax opened XXXX # XXXX and requested additional information. I provided all required documentation, including updated business records, employee count, revenue verification, Registered Agent information, and business identity details. And again I submitted the same request in XX/XX/2025 and Equifax opened a case # XXXX. 
Despite confirming receipt of my update request, Equifax has not corrected any of the inaccurate business information. The business profile still reflects outdated public record data, incorrect business classification details, incorrect employee count, incorrect revenue, and outdated company information. No updates appear on my business credit file, and Equifax has not completed the requested reinvestigation. 
These inaccuracies are directly affecting my companys ability to access commercial financing and credit. I followed Equifaxs process, provided the documentation they asked for, and received no resolution or updates to my file. I am requesting CFPB assistance because Equifaxs investigation did not fix the errors, and the business credit report remains incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX - Balance : {$8000.00} XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - Balance : {$47000.00}

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 2025-12-09 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: FL

Complaint narrative:
I paid off for a loan with XXXX  XXXX XXXX and they still reporting to the credit bureau that I have that account open with them! I went to the XXXX XXXX XXXX XXXX and that loan is paid and satisfied and they created a new account that is not recorded with the XXXX XXXX XXXX and threatened to foreclosure my house and that loan is paid and this is my record

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 2025-12-09 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: FL

Complaint narrative:
I paid off for a loan with XXXX  XXXX XXXX and they still reporting to the credit bureau that I have that account open with them! I went to the XXXX XXXX XXXX XXXX and that loan is paid and satisfied and they created a new account that is not recorded with the XXXX XXXX XXXX and threatened to foreclosure my house and that loan is paid and this is my record

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 2025-12-09 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: FL

Complaint narrative:
I paid off for a loan with XXXX  XXXX XXXX and they still reporting to the credit bureau that I have that account open with them! I went to the XXXX XXXX XXXX XXXX and that loan is paid and satisfied and they created a new account that is not recorded with the XXXX XXXX XXXX and threatened to foreclosure my house and that loan is paid and this is my record

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Personal information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
XXXX XXXX is reporting an auto loan on my credit report under a name that is NOT my legal name. The account is showing as XXXX XXXX XXXX, which is not me. 
My legal name is XXXX XXXX XXXX. 

This incorrect spelling creates an identity mismatch and raises concerns that the account XXXX not belong to me, and that XXXX XXXX did not verify the correct identifying information before reporting it to the credit bureaus. 

I requested verification directly from XXXX XXXX and asked them to provide documents used to open the loan ( application, ID used, signature, etc. ). They have not provided verification, nor have they corrected the error. 

Under the Fair Credit Reporting Act ( FCRA XXXX ), a furnisher must : Report information that is accurate and complete Investigate disputes and provide verification Correct or delete unverifiable information XXXX XXXX continues to report this tradeline despite the incorrect name and without supplying proof that the account was opened using my correct legal identity.

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