vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called to check on my account and why it's negative and they automatically file claims they say on my behalf and every month my balance is negative due to someone ordering things online I ordered a new card and the same thing continues with the new card with my balance is negative only towards the end of the month or the beginning of the month when I'm about to get paid and they tell me that they file claims on my behalf when I don't authorize any kind of claims I just called to find out what is happening no one seems to find out why these purchases are being made they just automatically put money into my account to take money out of my account and it's a continuous thing and I'm about to switch companies I've been with Wells Fargo since 2010. I don't have problems with them in the past with ghosting my accounts which I heard nothing about that either and I've been letting things ride I can't do this any longer it's not right I get XXXX XXXX which is a very limited I'm upset income fixed income and when they take this money out I'm sure don't bills almost fighting homelessness lights and things like that cut off and I can't take it anymore it's not right you can only mess up it {$1100.00} a month so much and how can I get that confused I don't have XXXX or even XXXX but yet money has been taken out my account every month and the statements that I have on my phone and my app they are totally different from what they have they are missing statements in transactions thank you

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 2025-05-27 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I wrote a letter to Experian and XXXX  to verify the collection and charger off account that were listed on my report. And they returned a letter saying verified but never followed the FCRA by stated how it was accurate and 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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-27 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:
inaccurate information being reported inaccurately requested method of verification such as original documents, signed applications, or forms with no response I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. He also stated that once I receive this information, he would like to review it. Please send ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After the XXXX XXXX severely damaged our home with hazardous debris. This chaos disrupted our routines, including financial management. As loyal Wells Fargo customers, we accepted a reduced credit card interest rate offered to fire victims, but the auto-pay feature was XXXX, leading to two missed payments. These unreported late payments significantly lowered my credit score, jeopardizing a critical home loan we secured after being selected from seven offers. Despite bringing the account current, the late payments remain on our credit report. We urgently need a letter from Wells Fargo confirming the account is up to date and the late payments have been removed to finalize our mortgage and secure stability for our family. Were pleading for compassion, as these missed payments resulted from the fires upheaval, not negligence, and note that many institutions waive such penalties post-disaster.

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 2025-05-27 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: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-27 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: VA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I deposited three checks totaling {$550000.00} into Bank of America. I was advised it would be a 10 day hold on the checks after the XXXX hold was lifted. My funds were available, but I was unable to access them because I was told it was restricted due to fraud. I spoke with a branch XXXX in XXXX, and I also spoke on the phone with the supervisor, and nobody could give me an answer as to why the fraud hole was on my account and when it would be released. After i pressed the branch XXXX to call the fraud department they said the account was still under review and to call back later. I have had over a XXXX XXXX dollars sitting in your bank and i have lost investment opportunities because i don't have access to my funds. I have been a customer of the bank for over XXXX  years and this is no way to treat a valued client.

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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I reopened my care credit credit card. I was approved. I did not receive my XX/XX/XXXXXXXX  billing and called Synchrony Bank customer service. They reversed the late fee. I did not receive my XX/XX/XXXXXXXX  billing and called to inquire about my statement. I found out today XX/XX/XXXXXXXX  that Synchrony set me up on electronic statements without my knowledge or consent. I have other credit cards with Synchrony Bank and I have NEVER signed up for electronic statements. 

I spoke with an Account Manager XXXX on XX/XX/XXXX and he refused to wave my late fee of {$30.00} citing they only wave 1 late fee per 12 months. 

I never provided my permission to be enrolled into electronic billings. Secondly, in XX/XX/XXXXXXXX  when I contacted Synchrony for a missing billing statement, NO ONE shared that I was enrolled in electronic billings. 

This is predatory and is not a good practice when this is clearly their fault.

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 2025-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: IN

Complaint narrative:
I received Collection notices from both XXXX  and REVCO for some of the exact same amounts. They are collecting these for XXXX XXXX in XXXX XXXX. The notice states from XXXX XXXX. and REVCO XX/XX/XXXX - XX/XX/XXXX For amounts of : XXXX : XXXX & {$1100.00} ( Ref # XXXX ) Revco : {$760.00} ( Ref # XXXX ) XXXX. How do I XXXX companies the same, exact debt? 
XXXX Who actually owns the debt? 
XXXX. Which company is right in collection efforts? 
XXXX. Which company would I call? 

I had some insurance that expired in late XXXX. Not sure how I would owe anything on XX/XX/XXXX if I was insured prior to then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Hello, my loans were in forbearance for years. I was not notified of any payments either through email, or mail until I saw the report on my credit today showing a XXXX credit. I fully intend to continue paying off my loan. I would like these late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
My husband and I applied to assume the mortgage on my fathers home in XXXX of XXXX. We were told the process would take 60-90 days. After 8 months of a grueling process which included approvals that then went months without follow up, lack of responses, the company providing us with incorrect Information and delay after delay, they finally gave final approval and sent us to the closing process at the beginning of XXXX. We executed all documents, wired funds to the title company, and the title company sent the closing documents and the check to the mortgage company. It was delivered via XXXX  on XX/XX/XXXX. The documents were recorded on XX/XX/XXXX. It is now XX/XX/XXXX and the company has still not put the loan into our name. They had an internal error that applied all funds sent from the title company to the escrow account on the loan, when in reality, there was an assumption fee, property report fee, and credit report fee that needed to be paid. They asked for one check and then They misapplied the funds from that check and are making us suffer in the meantime while they figure it out. It has been 8 days since the check and closing documents were sent to the mortgage company and they have not given us an answer as to how this will be fixed so that the loan will be put in our name. The title to the home is now in our name since we closed, but the mortgage company has still not put the loan In our name even though we have complied with everything. The mortgage payment is about to be due any day now and they will not respond to me or the escrow officer. Initially they tried indicating we probably sent the check to the wrong address but we provided proof of the XXXX XXXX  label and a copy of the check showing the correct address. Now they will not respond. This is just one of the many negligent things that has occurred during this entire assumption process, but we have managed to get through them all until now. My dad has a large home loan in his name on a home he no longer has title to. We have complied with everything, paid every fee, and recorded the documents but they made an internal error in applying fees and are now holding the loan hostage. This loan should have been put into our name on the date of closing, but here we are nearly two weeks later and it still has not and we have no idea when it will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : XXXX, XXXX # XXXX Equifax : XXXX, XXXX # XXXX TransUnion : XXXX, XXXX # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-05-27 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: DC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: DC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : 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 XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} Inquiries 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 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 2025-05-27 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: TX

Complaint narrative:
Under the doctrine of estoppel by silence ( Engelhardt v. Gravens, MO XXXX XXXX. XXXX, XXXX ), no valid evidence has been presented to support the legitimacy of the alleged debt. Therefore, I assert that no such debt exists.

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