vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I am disputing the way WELLS FARGO AUTO is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, XXXX XXXX XXXX, with account # XXXXXXXX XXXX XXXX XXXX XXXX, reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I purchased an XXXX XXXX tune from a company XXXX  for my XXXX XXXX XXXX on XX/XX/XXXX for {$480.00} USD, this included custom mapping for my specific files in my cars ecu. I created a backup of my ECU files in m computer which i then needed to send to this company so they can modify and send me unlocked and tunable files to flash to my ecu. After receiving the files that were deemed ready and matching my ecu I experienced a malfunction in the process of flashing my cars ecu with files which left my car in a bricked non operational state for nearly a month. This was caused ultimately by faulty bytes in the files which I reviewed myself along with a tuner friend using XXXX and XXXX. To remedy the issue since the company did not want to help give any type of help when asked for I then sent the ECU along with other components worth $ XXXX out of the country to have it repaired for {$520.00}. I am still waiting for a resolution on this matter that i disputed on XX/XX/XXXX from my bank company SoFi, it has been well past the allotted time frame needed to receive a response from the merchant and for action to be taken to receive reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: TX

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 non-monetary relief
Consumer complaint received 2025-10-17 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: Portfolio Recovery Associates, LLC
State: VT

Complaint narrative:
On my credit report Portfolio recovery associates has a debt that I've disputed numerous times amount is XXXX and change I sent certified mail to them requesting the said above and got nothing back I sent 2 certified letters to the collection agency on XX/XX/XXXX and one before that date I sent photo copies to XXXX  XXXX  and XXXX  of what I sent copies of it being signed alls I get from XXXX  is confirmed and updated with no removal I know according to Federal Law if my signature isn't on the original credit app then their supposed to take it off in XXXX  I was injured at work I hurt my lower back and shortly after was diagnosed with XXXX XXXX  in the beginning the pain was unreal I could barely manage why would I be looking to do whatever this is I had to worry about my money and having enough just to make ends meet I had to include my injury so you could put yourself in my shoes this is not my bill I was to busy with Dr appointments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: AZ

Complaint narrative:
The collection is reported by Jefferson Capital on both my XXXX  and XXXX  credit reports. The original creditor is XXXX. I have previously requested payment history and date of first delinquency which was never provided to me after multiple requests. The account has since passed the 7-year mark and is being reported illegally. In addition, the account was disputed from initial activation and cancelled as the service provider did not disclose the service did not work in my home area. This account is a violation of my FCRA rights, and I request it be removed immediately from both credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: VA

Complaint narrative:
Started my Monday off paying bills with cash app, the app offered a benefit to borrow XXXX dollars so I tried to apply for it. They then proceeded to repetitively ask me to verify my identification when Ive done it plenty of times. Ive called cash app support, Ive also emailed them, theyre running me in circles while I just want my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
Please investigate this account using Fair Reporting Act 15 U.S.C S 1681 and investigate this matter and delete off of my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX  and Experian are reporting a charge-off account that is inaccurate and that I do not recognize. I have already filed two disputes, but they have not removed it from my credit report.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I was the victim of identity theft, I froze all three of my credit bureaus. I can unlock XXXX  and XXXX XXXX with no problems, I can not unlock my Experian report. The reason I cant unlock my report is that they have a phone number on my account that I have never had ( I can only see the last four digits ) and the email that I was using at that time was closed by XXXX for non use. Ive contacted XXXX and they say they can not reinstate an email address once it is closed. So Im unable to get a verification code either by email or text in order to unlock my credit report in order to purchase a house. I have paperwork to prove my identity such as my social security card, my military ID, a XXXX current bills and my drivers license. I have tried on numerous occasions to contact Experian by phone with no luck getting past the automated phone system that keeps me in a constant loop. In order to resolve this I need to speak to a live person on the phone or they need to provide me with forms to fill out with proper documentation in order to update my login information. I have excellent credit and not being able to unlock my Experian credit file is stopping me from buying a house.

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 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal complaint regarding TransUnion 's failure to comply with the FCRA 605B. A certified police report for identity theft has already been submitted. Transunion has continued to delay and refuses to block fraudulent accounts as required by law within 4 business days. These accounts include XXXX XXXX XXXX XXXX ending in XXXX, XXXX XXXX  ending in XXXX, and XXXX XXXX ending in XXXX. All documentation-including the certified police report and identity documents-has been provided. I demand immediate deletion of these accounts from my credit report and written confirmation of compliance

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and this complaint is for I need need account number is XXXX checking and saving account to be fully restricted and blocked and return any direct deposits that the accounts get and stop it and block it and denied it and reject and return it back to the sender my phone number is XXXX and email is XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX  XXXX Account number : XXXX -- {$3600.00} Date Opened : XX/XX/XXXXXXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Account number : XXXX -- {$19000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX Account number : XXXX -- {$390.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Account number : XXXX -- {$520.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Account number : XXXX -- {$10000.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I am a victim of Id theft and several accounts have been placed on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I will include in my upload

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I am a victim of Id theft and several accounts have been placed on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I will include in my upload

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 2025-10-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Once again, Wells Fargo refuses to refund account fees.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-17 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: CT

Complaint narrative:
Submitted XX/XX/year>. Completed XX/XX/year>. I advised that my loans were on forbearance and that they should all reflect a $ 0 monthly payment however even though I sent documentation from the student loan processor my credit hasn't yet been updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section XXXXO of the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section XXXXO. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case. Details of the Dispute : XXXX XXXX XXXX {$310.00}XX/XX/XXXX {$500.00} XXXX {$1300.00} XX/XX/XXXX{$190.00} XXXX XXXX {$1000.00} XX/XX/XXXX {$8900.00}

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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally bank is useless if you need something done promptly and correctly. If you are happy to just interact with a web portal and you never need a service from a human being, they're great. 

To start with, at the beginning of XXXX, I ordered a replacement debit card. My existing XXXX was starting to get old and ratty but it was still functional. I just wanted to get ahead of the issue, knowing how traditionally, such requests are slow to be fulfilled by Ally. During the ordering process, I remember selecting an option for " Replace Existing '', not " Replace lost or stolen. '' Embarrassingly, about XXXX weeks later, I had overdrawn my account and was without funds to put back into the account for a week. The bank decided to " lock out '' the account except for any deposits, of course. Once I got paid, I called the bank to unlock the account but they could not " unlock '' my debit card because they said the new card had been delivered. It had not and was obviously lost. However, the card I had in my hand had become useless now and they were going to have to order a new card. I asked them to expedite it, which cost me {$15.00}!!! to get it in XXXX to XXXX business days! What a scam! 

This was late Friday, XX/XX/XXXX. By today ( XX/XX/XXXX ) I have not received the new card and once I contacted them, they said NO NEW CARD HAD BEEN ORDERED. I will now be waiting for over XXXX weeks to have a working card. XXXX of those weeks are 100 % the fault of Ally Bank. I'm a trying to not use credit cards as a matter of paying down debt. This has been wrecked by Ally 's XXXX ups. This is the type of interaction you get with the bank when anything important has to be done, in a timely manner. It is IMPOSSIBLE. 
All their poor customer service guy could do, was order another card, AGAIN!!!! This is not a professional bank, it's a joke.

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Late payment entries are listed on my credit report that I believe are inaccurate. As required by 15 USC 1681e ( b ) and 15 USC 1681i, all information must be accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, they should be corrected or deleted.

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 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MORGAN STANLEY & CO. LLC
State: MN

Complaint narrative:
I submitted a {$15000.00} international wire transfer through E-trade Morgan Stanley on XX/XX/year> ; Etrade says the wire was completed but I never got the funds. Receiving bank says that they did not get the funds and sent me this text below. Etrade does not want to provide me with any useful documentation acknowledging the fund completion and keeps sending me to the receiving bank. I have made several calls and their reps do not resolve. My money is missing and they are not providing any help at all. 

Last call on was with the Etrade Representative XXXX XXXX about XXXX hour long, no results. 

Receiving bank sent me this : Good afternoon XXXX XXXXXXXX, Receive a cordial greeting from the XXXX XXXX XXXX XXXX. 

We hereby attach the requested information for your due knowledge where we verified that the wire transfer was canceled because the Intermediary bank did not send the confirmation of the transfer. On the other hand, if you would like to check how long does the wire take to be back in your account, you have to contact XXXXXXXX XXXX XXXX 

Here is the receipt of the wire which did not arrive : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSACTION REFERENCE NUMBER XXXX XXXX : RELATED REFERENCE XXXXXXXX XXXX XXXX NARRATIVE ATTN PAYMENT INVESTIGATIONS PLS BE INFORMED THAT WE CONSIDER XXXX  XXXX VALUE DATE XXXX AS NULL AND VOID BECAUSE WE NEVER RECEIVED REIMBURSEMENT.PLS AVOID DUPLICATIONS. WE CLOSE OUR FILES. BEST REGARDS, XXXX XXXX  TRANSFER INVESTIGATIONS Best Regards,

Company response to consumer: Closed with explanation