vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Yes my name is XXXX XXXX I was I have been a customer for Wells Fargo clients since XXXX  and yes since I used my debit card from Wells Fargo I have issues to transaction which I have never been service and yes I know my right since I didnt receive service I have a right to do dispute yes there is so many several transactions which I have never received service and yes I have a right to do dispute and yes I was following dispute with Wells Fargo customer support of dispute service and provide to him transaction but later on all my dispute following has been denied with out any concern? Yes I was contacted with bank again give him my opposition provided to document trough the email with receipt fully refund which I was receiving from merchant but they wasnt care didnt have any reaction all my demand to resolve on my way trough to Wells Fargo has been no response its about amount : -USD {$1100.00} since I calculated all each amount and I add together after all summons added there is the equal -USD {$1100.00} and yes I provided all approved refunds documents from the merchant to Wells Fargo but they didnt get any reaction, after all summons added each one transaction the equal is -USD {$1100.00} I have to be received it refund back to my account ending is XXXX XXXX XXXX XXXX XXXXXXXX. Wells Fargo customer support dispute service is so negligence unresponsive so before when I try to be open law suit against to Wells Fargo I need to discuss with you to be helped me please need to refund all amount back to my card thanks

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 2025-12-26 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:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. After reviewing my report, I identified information that appears to be outdated or inaccurate. I respectfully request that my credit file be corrected to ensure it accurately reflects my current and verified financial information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was charged an overdraft fee even though I immediately deposited funds to cover the transaction and my available balance was positive when I last viewed my account. The overdraft was caused by Fifth Third Banks transaction posting order and an internal transfer between my own accounts, not by spending unavailable funds. The banks app showed sufficient available funds, and there was no real-time warning that an overdraft fee would be assessed. 

Additionally, after the first overdraft fee was assessed, a second overdraft fee was charged, bringing my account balance to approximately {$140.00}, even though I made no additional purchases or withdrawals after the first overdraft occurred. This appears to be fee stacking rather than charges tied to new transactions. 

I am experiencing financial hardship and can not afford these fees. I am requesting a full reversal of the overdraft fees due to misleading balance presentation, transaction posting order, and unfair overdraft practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately 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 non-monetary relief
Consumer complaint received 2025-12-26 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
I paid off a vehicle via trade in in 2021 a charge popped on my credit report in XXXX saying I owed money. I disputed the charge and the company maintained I owed. They showed a total payoff for the vehicle when it was traded in but then came back years later saying I owed on the vehicle that I traded in over 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MD

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities.

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear CFPB, I am writing to express my dissatisfaction with Bank of America failure to honor XXXX XXXX bonus offer despite meeting written terms. 

Complaint Details : I am filing this complaint regarding Bank of Americas failure to honor a written promotional bonus offer after I fully complied with the stated terms. 

On XX/XX/year>, I received a written bonus offer letter from Bank of America addressed to me and specifically referencing my account number. The letter stated that the offer expired on XX/XX/year>. The letter did not mention any prior enrollment date, nor did it state that eligibility depended on enrollment before XX/XX/XXXX. Based on this written offer, I reasonably understood that depositing qualifying XXXX XXXX by XX/XX/year> would make me eligible for the bonus. 
Relying on this official offer letter, I deposited the required funds into my Bank of America account on XX/XX/year>, within the stated offer period, and maintained the required balance for XXXX months, fully complying with the offer conditions. 
However, the bonus was never credited. 

When I contacted Bank of America via online chat on XX/XX/year>, the agent stated that I had supposedly been enrolled in a XXXX XXXX offer on XX/XX/year>, and that once enrolled, I had only 30 days to deposit funds. This information directly contradicts the written offer letter I received, which : Was dated XX/XX/year> Clearly stated an expiration date of XX/XX/year> Referenced my specific account number Did not disclose any XX/XX/XXXX enrollment date or a XXXX deposit deadline At no point was I informedeither in writing or electronicallythat my eligibility depended on an earlier enrollment date or that depositing by XX/XX/XXXX would be invalid. If Bank of America intended the offer to be governed by an undisclosed enrollment date, that information should have been clearly and transparently disclosed in the written offer. 

I find this experience misleading and unfair. I made a significant financial decision based on Bank of Americas written representation, fulfilled all stated requirements, and then was denied the promised bonus based on internal rules that were never disclosed 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 monetary relief
Consumer complaint received 2025-12-26 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:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am a victim of identity theft. An account was opened and used in my name without my knowledge or authorization.

I formally notified the creditor in writing via mail that the account is fraudulent. I provided all required documentation, including a FTC report/identity theft affidavit, proof of identity, and proof of address.

Despite receiving this documentation, the company has refused to remove the fraudulent account from my credit report and continues to report inaccurate information to the credit bureaus.

I did not open, authorize, or benefit from this account. The companys continued reporting is causing financial harm and violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and identity theft protections.

I am requesting that this account be permanently blocked and removed from my credit report, and that the company cease all collection and reporting activity related to this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I did not authorize its creation or use. The required supporting documents are enclosed to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
I suddenly got a collection on my account for a XXXX XXXX phone account, and I have never had XXXX XXXX in my life. They have not provided proof of debt and have sent this enoronus account to collections ruining my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am disputing the collection account with BANKAMERICA XXXX. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that BANKAMERICA provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
I have no involvement with these accounts and request their removal within 15 days per the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. An account was opened and used in my name without my knowledge or authorization.

I formally notified the creditor in writing via mail that the account is fraudulent. I provided all required documentation, including a FTC report/identity theft affidavit, proof of identity, and proof of address.

Despite receiving this documentation, the company has refused to remove the fraudulent account from my credit report and continues to report inaccurate information to the credit bureaus.

I did not open, authorize, or benefit from this account. The companys continued reporting is causing financial harm and violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and identity theft protections.

I am requesting that this account be permanently blocked and removed from my credit report, and that the company cease all collection and reporting activity related to this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have consistently made payments on time, and any errors in this reporting are unjust and 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