vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On Saturday XX/XX/year> At approximately XXXXXXXX XXXX, I went to Wells Fargo XXXX XXXXXXXX ( XXXX XXXXXXXX XXXX ) And withDrew {$700.00} cash ( ALL {$20.00} bills, as the XXXX  stated it was out of {$50.00} bills at the time of the withdrawal ) from my momentum, debit card. I then immediately attempted to make a cash deposit of {$620.00} to my Wells Fargo checking account via XXXX XXXXXXXX as I do every month so I can pay my rent to my landlord through my Wells fargo XXXX accounts. 
Much to my shock and horror, the XXXX  started majorly malfunctioning While scanning and verifying my cash deposit of {$620.00} ( XXXX XXXX {$20.00} bills Which had just been dispensed from that very same XXXX  ). Then to my utter horror, A red and yellow malfunction sign flashed up on the XXXX  screen and told me my deposit needed to be verified before credited to my account, after which a receipt printed out stating that at that moment XXXX cent Had been deposited into my Wells Fargo checking account instead of the actual amount of {$620.00} cash that was supposed to have gone toward my rent payment today. After returning home to take my Prescribed XXXX XXXX and XXXX  medications [ due to the XXXX XXXX I was experiencing from the aforementioned Bank error/loss of funds/access ], I called to immediately report the incident and file a claim with Wells Fargo customer service XXXX 
Not only did the representative I spoke to on the phone ( XXXX  ) Refuse to take a claim for me in the amount of {$620.00}, But representative bill also seemed to find the situation humorous and seem to enjoy telling me that I was going to have to go through quite an extensive process to prove that that in fact was my money and that I was telling the truth and if I wasn't in fact telling the truth I probably wouldn't have access to that money for at least XXXX weeks. Now you have to pardon my XXXX, but XXXX XXXX. I never tired XXXX XXXX XXXX XXXX  XXXX living on a tiny pension and I deliver pizzas part-time. That is my rent money which is now late and since Wells Fargo refuses to take a claim incident report let alone refund/credit me any of the money Is now being held for me because Wells Fargo and their outdated archaic XXXX  machines made a major mistake which was no fault on my own for which I am suffering Indescribable Panic anxiety and fiduciary distress. PLEASE help me. Attached our literal receipts and all the evidence necessary to see that I am irrefutably in the right in the situation and Wells Fargo to their lack of due diligence and customer service has put me in this terrible situation for which I'm being penalized {$50.00} a day by my landlord.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are addresses listed on my credit report that I have never lived at or may belong to a family member. Please see attached.

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 2025-08-04 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: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-04 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-08-04 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: MI

Complaint narrative:
I am submitting this complaint due to TransUnions continued refusal to properly investigate and remove inaccurate, unauthorized, and unverifiable information from my credit report, despite a formal written dispute I submitted on XX/XX/XXXX. My complaint involves : XXXX. Bankruptcy XXXX : A Chapter XXXX bankruptcy ( filed XX/XX/XXXX ; Ref. No. XXXX ) is being reported on my TransUnion credit file. The U.S. Bankruptcy Court does not furnish or verify credit data, and TransUnion failed to provide any documentation verifying its accuracy. They simply marked it verified as reported in their response, without identifying the source or method of verification. This violates FCRA 611 ( a ) ( 6 ) and 607 ( b ). Reporting unverifiable legal records from third-party sources is misleading and noncompliant. 

XXXX. Unauthorized Inquiries : I disputed multiple inquiries ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, etc. ) which were made without my consent. TransUnion has not provided any evidence showing permissible purpose for these inquiries, nor did they disclose the method of verification, violating FCRA 604 ( a ) ( 3 ) and 611 ( a ) ( 6 ) ( B ) ( iii ). I never granted these companies access, and these inquiries are harming my credit profile. 

XXXX. XXXX XXXX  XXXX Account : The account still shows a past due balance and active credit limit, which is inaccurate once charged off. This misrepresentation violates Metro 2 data standards and FCRA 607 ( b ). Charge-offs must reflect {$0.00} past due, and no revolving limit should appear after the charge-off date. 

XXXX response to my initial dispute failed to meet the standards of a lawful, reasonable investigation. They refused to disclose details about their method of verification, and no documentary proof has been provided. This undermines my rights as a consumer and violates federal credit reporting law.

A copy of my initial dispute has already been uploaded here : [ Include uploaded XXXX  if needed again ].

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 2025-08-04 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 called XXXX again on Wednesday, Thurs and Fri. I also have emails that I submitted. I requested a voluntary surrender. I also requested that no further payments be taken from my acct. The rep assured me that there was nothing pending to be dedofrom my acct. on Fri I called my bank Wells Fargo. I spoke with XXXX ( wonderful representative ). She did a stop payment on the check for {$360.00}. She told me to call back today if it still went through. It did. I called Wells Fargo back. Told them what happened and the issue. The rep XXXX ( not so great ) didnt seem to care issued the dispute. I checked my acct because I am needing to pay my already expensive rent as soon as possible. Nothing had changed. No provisional credit. I called Wells Fargo back and spoke to XXXX who told me I would have to call back on Monday to speak with someone regarding my dispute. I asked about the provisional credit and was told again to call back on Monday.

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 2025-08-04 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
CFPB Complaint Debt Collection Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Company Name : Hunter Warfield , Inc. / XXXX  XXXX Account Number : XXXX Category : Debt collection Attempts to collect debt not owed Complaint Description : I am filing a formal complaint against Hunter Warfield , Inc., acting on behalf of XXXX  XXXX, for attempting to collect a debt that I do not owe. 

On XX/XX/year>, I received a letter from Hunter Warfield claiming that I owe {$3600.00} to XXXX XXXX, offering a so-called settlement of {$1800.00}. I have never owed this amount, was never evicted, and have always paid my obligations in full and on time during my tenancy. 

This alleged debt is fraudulent and appears to be a manufactured claim by La Vida, a company with a history of predatory and deceptive billing practices. Upon vacating the property, I did so in full compliance with my lease terms and legal rights. I never signed, nor agreed to, any new contractual obligation as they allegeespecially not days before my departure. 
I sent a written dispute to Hunter Warfield pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), demanding full legal validation, including : An itemized statement of charges A copy of the original signed contract and any amendments Proof that La Vida has legal standing to collect All accounting records I also requested they cease all collection activity and credit reporting until such validation is provided.

To date, I have not received proper validation, yet the collector continues to attempt collection. If this debt is reported to any credit bureau without validation, it will be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

I request that the CFPB investigate Hunter Warfield , Inc. and La Vida for : 1. Attempting to collect a debt not owed.

2. Failing to provide proper validation before pursuing collection.

3. Potential violations of the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-04 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-04 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: IN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: SC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year>XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX  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. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX under account number XXXX with an amount of {$510.00} ; and a collection account opened at XXXX XXXX under the account number XXXX with an amount of {$780.00} ; and the following 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I have a vehicle financed through Toyota Financial Services. I requested a lienholder authorization letter so I can export the vehicle from the mainland XXXX to XXXX XXXX. 

My first contact with them was three weeks ago, and I was assured that the letter would be ready by XX/XX/XXXX. Today is XX/XX/XXXX, and I still have not received the signed version. In fact, I was told that at the latest, it would arrive today but according to USPS Informed Delivery, I am not receiving any letter from them. 

They did email me a version of the letter, but it is unsigned, and therefore not valid for the export process. I have called multiple times and explained the urgency of the matter. Every time I speak to a representative, I get conflicting answers regarding the status of the letter which screams inconsistency and internal disorganization. 

I was planning to permanently leave my current address tomorrow, and this delay is causing me serious logistical and financial harm. The only thing missing from the letter is a signature, and despite all my efforts, they refuse to escalate the issue or provide it electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
I am confused and trying to understand the reason for this credit card issuers increase of the purchase APR from 29.99 % to 32.99 % which is now higher than the cash advance APR as this does not make sense to me because any credit card issuer I have ever dealt with the cash advance APR has always been higher than the purchase APR

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 2025-08-04 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
These inquiries appear to be unauthorized and unexpected. Please review the attached documents immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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