vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I am writing to file a complaint against Wells Fargo concerning their denial of my claim for fraudulent charges totaling {$660.00} on my account. These were 5 different transactions from different companiesI Did not make. Despite providing all necessary documentation and evidence of the fraudulent activity, my claim was denied without a clear explanation.

I believe that the denial is unjust and would appreciate your assistance in addressing this matter. I am eager to resolve this issue and ensure that Wells Fargo takes the appropriate actions to rectify the situation. There was not an area to list the other companies, but they were XXXX, XXXX, XXXX XXXX and 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 monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
I had a credit card from Apex Card Services. I opened the account in XXXX of XXXX  and paid as agreed. In XXXX of this year the card quit reporting on my credit and the authorized user 's credit and harmed our credit in a very adverse way. Apex says there is nothing they can do, and XXXX  says there is nothing they can do. They assured me they were still reporting but it never got fixed. I also filed a dispute with XXXX  that has not been answered over 60 days later. Apex assured me they report to all three credit bureaus and it should be reporting. The card is still active and paid as agreed and reports to the other two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, I accepted a payment with my personal PayPal account for two levels of a XXXX reading and spelling program. I paid a goods and services fee of approximately {$17.00} that was deducted from my funds the buyer sent. My balance showed as approximately {$480.00} and that the money was being held. I added tracking from XXXX to the PayPal account as there terms state that funds will be released 24 hours after delivery is confirmed if you upload a tracking number from one of their approved carriers. The package was delivered on Monday, XX/XX/XXXX. The recipient has acknowledged receipt of the package and that she is happy with the items. I chatted with a PayPal agent who told me she could release the funds on the evening of XX/XX/XXXX. She sent a text to my phone with a code to give her and then came back to the chat some time later and said they could not be released with no explanation. I was directed to a help area where it told me to to link my bank account and debit or credit card. This was done a long time ago. I then called their customer service number and an agent did the same thing and came back and said the funds could not be released but she would escalate my account to the proper department and it would be resolved and the funds released within 72 hours. 
I received an email stating that a limit i crease had been requested for my account by the agent. I have no idea what that means. On the morning of XX/XX/XXXX, I received another email stating that my account was permanently closed and that they were holding my funds for 120 days in case of a chargeback by the recipient and also that I was being charged a High Tier Dispute fee for a dispute. There are no disputes on this account and never have been. I contacted the lady that bought the items and she did not file a dispute. She has offered to contact PayPal to let them know she received the items and they are in the condition she expected. 
I have emailed and messaged through the app several times today and no one will respond to me with answers as to why my account is permanently closed, they are keeping my funds for 120 days and why I am being charged for a dispute that never occurred. I do not wish for the account to be re-opened because I no longer trust PayPal. I do want my funds released and the fraudulent dispute charge refunded. I also want all of my linked bank and debit/credit card account information removed from their database. 
I am also filing complaints with the Ohio Attorney General 's Office, The Federal Reserve, as PayPal claims they are not a bank but will allow you to set up direct deposit of your paycheck, store money in the account and gives you a debit card to access the funds ; and the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CT

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: OH

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XX/XX/XXXXXXXX  Consumer Financial Protection Bureau Subject : Complaint Regarding Fraudulent Check XXXX XXXX XXXX XXXX  Unresponsive Handling - Citibank Account XXXX Dear Sir or Madam, I am writing to file a formal complaint regarding a fraudulent check alteration and Citibank 's highly unsatisfactory response and lack of resolution to this matter. I have been a Citibank customer for over 25 years, and this is the second time my account has been compromised. 

On XX/XX/XXXX, a check my wife, XXXX, had originally written for {$43.00} was fraudulently altered to {$4300.00} and subsequently cashed. 

Here is a timeline of my actions and Citibank 's response : XX/XX/XXXXXXXX  : Fraudulent check for {$4300.00} was cashed. 
XX/XX/XXXXXXXX  : I reported the fraud to Citibank 's Fraud Department. A case number was assigned : XXXX XX/XX/XXXX : I sent a formal letter via Certified Mail to Citibank regarding the fraud. 
XX/XX/XXXX : I received the Certified Mail return receipt, confirming Citibank 's receipt of my letter. 
Multiple occasions including most recently XX/XX/XXXXXXXX   : I have spoken with Citibank 's Fraud Department several times ( XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ) regarding this case. 
XX/XX/XXXX : During my last phone call, a case manager named XXXX assured me that I would receive a check for {$4300.00} from Citibank between XX/XX/XXXX, and XX/XX/XXXX. 

Despite these assurances and repeated requests for updates, I have received no communication ( neither by phone nor mail ) from Citibank 's Fraud Department since XX/XX/XXXX. The promised check for {$4300.00} has not arrived as of today, XX/XX/XXXX. 

I have also requested that Citibank deposit the {$4300.00} provisionally into my account while they investigate. This request was denied, and I was informed that the investigation could take 90 days or more. This extended timeline is unacceptable, especially given the clear nature of the alteration and the significant financial impact on me. The lack of communication and provisional credit is causing undue hardship and stress. 

I urge the CFPB to investigate Citibank 's handling of this fraud claim, specifically their failure to provide provisional credit, their lack of communication, and their failure to honor the promise of a reimbursement check. 

I have attached copies of relevant documentation, including : Copy of the altered check of {$4300.00} Copy of the original check of {$43.00} Copy of my letter to Citibank dated XX/XX/XXXXXXXX  Certified Mail return receipt dated XX/XX/XXXX I expect a prompt and fair resolution to this matter, including the immediate return of the {$4300.00} to my account. 

Thank you for your time and attention to this urgent matter. 

Sincerely,

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 2025-06-25 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. I am filing this FTC Identity Theft Affidavit to report two fraudulent account ( s ) appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a collection account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-25 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: Self Financial Inc.
State: GA

Complaint narrative:
Subject : Request for Investigation under Section 1681i of the Fair Credit Reporting Act Dear Credit Bureau, CFPB I am writing to formally request an investigation of the following items that I believe to be inaccurate or incomplete on my credit report. This request is made under my rights provided by Section 1681i of the Fair Credit Reporting Act ( FCRA ) I have identified several inaccuracies that require immediate attention to ensure my credit report is accurate and complete. In addition to the items listed, I am particularly concerned about the inquiries made without my consent and the potential impact on my credit score. It is crucial for the integrity of my financial records that these non-account holding inquiries over 30 days old be removed. Furthermore, I request that Promotional Suppression be added to prevent any further unsolicited inquiries that could compromise my creditworthiness. Enclosed is a copy of my driver 's license to verify my identity and support my claims. 

Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Kikoff Inc.
State: GA

Complaint narrative:
Subject : Request for Investigation under Section 1681i of the Fair Credit Reporting Act Dear Credit Bureau, CFPB I am writing to formally request an investigation of the following items that I believe to be inaccurate or incomplete on my credit report. This request is made under my rights provided by Section 1681i of the Fair Credit Reporting Act ( FCRA ) I have identified several inaccuracies that require immediate attention to ensure my credit report is accurate and complete. In addition to the items listed, I am particularly concerned about the inquiries made without my consent and the potential impact on my credit score. It is crucial for the integrity of my financial records that these non-account holding inquiries over 30 days old be removed. Furthermore, I request that Promotional Suppression be added to prevent any further unsolicited inquiries that could compromise my creditworthiness. Enclosed is a copy of my driver 's license to verify my identity and support my claims. 

Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : KIXXXXOFF Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
In [ XXXX of XXXX ], ChexSystems began reporting a negative item from XXXX XXXX XXXX, stating that my account was closed due to suspicious activity. I disputed the item in [ XXXX of first dispute in XXXX ] as soon as I found out, but ChexSystems claimed an investigation had been completed. I was never provided any evidence of this investigation, and I have reason to believe they never contacted XXXX XXXX XXXX at all. 

In [ XXXX of XXXX ], I submitted a new dispute and requested a reinvestigation, providing updated documentation. ChexSystems denied my request, stating I had not presented new information. However, they again failed to conduct any communication with XXXX XXXX XXXX to verify the accuracy of the record. 

I later obtained a letter directly from XXXX XXXX XXXX in [ XXXX of XXXX ], stating that the account was closed due to alleged suspicious activitynot verified fraud or proven misconduct on my part. XXXX did not claim to have communicated with ChexSystems, nor did they provide any conclusion of wrongdoing. They also confirmed the report would remain for 5 years and roll off in XXXX. 

This proves that ChexSystems has reported an unverified and damaging item for over four years, while failing to fulfill their legal obligation to conduct a reasonable investigation under the Fair Credit Reporting Act 611. They also denied a reinvestigation without justification, despite my submission of supporting documentation. 

I am requesting the CFPB to investigate this matter and require ChexSystems to immediately remove the XXXX XXXX XXXX item from my consumer report, as it is inaccurate, unverified, and in violation of my rights. 

I have attached the original adverse action notice from XXXX XXXX XXXX, which claims negotiating counterfeit checks as the reason for closure. No investigation was conducted, no law enforcement was involved, and this accusation was never verified or substantiated. ChexSystems continues to report this item without ever having verified its 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 explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
Again my arro card reopened on equifax when it was discharged in my XXXX XXXX and again tanked my credit score and it was just removed and reported this is a violation of the bankruptcy they are also refusing to take off everything else from my bankruptcy and have names that are not mine on my credit report I have but in multiple complaints. My information was leaked in their data breach. I will sue if this isnt corrected immediately this is ruining my credit and I cant get verified

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Again my arro card reopened on equifax when it was discharged in my XXXX XXXX and again tanked my credit score and it was just removed and reported this is a violation of the bankruptcy they are also refusing to take off everything else from my bankruptcy and have names that are not mine on my credit report I have but in multiple complaints. My information was leaked in their data breach. I will sue if this isnt corrected immediately this is ruining my credit and I cant get verified

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 2025-06-25 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:
Experian Equifax TransUnion are continuing to violate the Fair Credit Reporting Acts Consumer Laws by not providing me with right information on all 3 of my Major Credit Reports ( Experian Equifax and TransUnion ) Therefore it has stopped me and continues to stop me from getting a car for my family. I am a single living mother trying to provide for my sons. It's preventing me to get certain jobs and it's making my name bad because of so many false and inaccurate reports on all of my Credit Reports. Also, they never paid me for reporting and keeping negative things on my credit accounts. Since all 3 Credit Reporting Agencies didn't delete negative reports off of all my Credit Reports that I've listed on here.

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 2025-06-25 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 sent two request for the credit bureaus to investigate two collections items. That the credit bureaus believed were mine. The accounts were : XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$4000.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$460.00}, Payment : -, Issue : Collection/Chargeoff The initial request was on XX/XX/XXXX and the last request was XX/XX/XXXX. Both times I only received a letter and credit report stating that the collection accounts were mine. This is a huge problem. Due to these negative marks, I was recently denied fair access to mortgage financing and was instead offered an interest rate of over 10 %. This has directly harmed not only my financial well-being but also my familys future. I am seeking homeownership, and these inaccurate accounts are blocking that opportunity. I am aware that Experian has not been properly investigating consumer disputes and I believe I am a victim of this. In additional all 3 credit bureaus are aware that Equifax has been sued over data breach. You would assume that these credit bureaus will take it more seriously. This is increase my mortgage payment from {$3800.00} to {$6100.00}!!! I need this resolve immediately.

These 2 collection accounts do not belong to me and were never legally validated. Since they have failed to provide proper verification or remove them in accordance with federal law, I am requesting immediate deletion of these entries. 
Please treat this matter very seriously.

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