vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
This is the text message : WellsFargo : REMINDER - The payment on your XXXX XXXX account ( serviced by Wells Fargo ) hasn't arrived. If you've already made the payment, thank you. Visit XXXX  or call XXXX to make your payment. Reply STOP to end text alerts.

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 2025-07-26 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

The account in question is listed as follows : Creditor Name : XXXX XXXX XXXXXXXX XXXX XXXX Amount Owed : {$620.00} Account Type : Collection Agency/Attorney Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX I am requesting that you investigate this account and remove it from my credit report unless you can provide proper documentation that proves the accuracy and completeness of this information, including : Full chain of title showing legal ownership of the debt Complete payment history and original signed agreement Proof that the debt is valid and legally enforceable Under 15 U.S.C. 1681i, you are required to complete your investigation within 30 days and notify me of the results. If the account can not be fully verified, it must be removed from my credit file. 

I also request that, upon completion of your investigation, you provide me with an updated copy of my credit report reflecting any corrections or deletions made. 

Please consider this a formal dispute. I am exercising my rights under FCRA to ensure only accurate and verifiable information is reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are errors in the personal information shown on my credit report. I am formally requesting that a review be initiated to correct and update these details within 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I've noticed lately that wellsfargo has been taking their time on posting deposits so that it looks like certain transactions are overdrawn so they can charge a fee. They are rearranging transactions by wrong dates I noticed today on XX/XX/XXXX. I received my pay check on XX/XX/XXXX and it didn't post till XX/XX/XXXX but funds were available on XX/XX/XXXX wellsfargo tried to say my account was negative on the day funds were available and charged overdrafts even when XXXX transaction was XXXX cents short. Called customer service and they won't correct the issue and I'm furious. I believe they are scamming 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 2025-07-26 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: MS

Complaint narrative:
I just checked my credit report and was very alarmed to see an unauthorized inquiry that I did not initiate. I tried refreshing the page thinking it might be a glitch, but unfortunately, it wasnt. This has caused me a great deal of frustration and stress, and I need you to urgently review the documents Ive already sent so this issue can be permanently resolved.

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 2025-07-26 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: PA

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 non-monetary relief
Consumer complaint received 2025-07-26 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: AR

Complaint narrative:
Since Im XXXX XXXXXXXX I requested the loan agreement and all documentation to be provided in XXXX so that I could read and understand the document it was never provided. My signature was also never provided. Therefore, this loan is null in my name. I requested copies of all document documents to show proof that the document was made available for someone who is XXXX XXXX. The company could not provide this because the documentation was never made available at the time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I have neither authorized this inquiry nor engaged in any discussions with the lender on that date.

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 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I will set up on a payment plan. I paid my payment of XXXX on XX/XX/year> at that time they charge it off the loan and refuse to set me up on another payment plan and theyre trying to repossess the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been a Chase XXXX XXXX for years and have always used my checking account responsibly. I have a XXXX XXXX debit card and maintained this status because Chase was my primary bank. 

On XX/XX/year>, I received a letter from Chase dated XX/XX/XXXX, informing me that my checking account would be closed by XX/XX/XXXX due to concerning activity. I had received a warning related to my checking account a year ago, but when I visited my branch back then, they assured me everything was fine. I continued to use my account normally, with no issues since. 

I sometimes deposited personal cash given to me by my former husband who supported me financially. He worked in construction and was often paid in cash. All of my transactions were personal I never used the account for business or anything illegal. 

This sudden closure without any clear explanation has caused me significant stress and disrupted my financial life. 

I submitted an appeal to Chases Executive Office on XX/XX/XXXX, and they told me someone would contact me within 25 business days. However, when I followed up on XX/XX/XXXX, the representative assigned to my case said she still had no update because the internal department had not responded yet. 

As of today, I have not received any explanation or resolution. I respectfully ask for help understanding this decision and preventing the closure of my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CCM Finance LLC
State: TX

Complaint narrative:
The company repossessed the vehicle they wouldnt except our payment they stated that we had to many days late but we still was making the payments The lender was CCM Finance XXXX  XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report for no apparent reason. I routinely check my report and didnt expect this kind of error. I even refreshed the page thinking it was a glitch, but the issue remained. Im extremely frustrated and demand that the documents Ive provided be reviewed immediately so this can finally be resolved once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: EQUIFAX, INC.
State: AL

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 168b permissible purposes of consumer reports. 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. 
XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUT NAME : XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUT NAME:XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUT NAME XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding Netspends {$200.00} signup bonus promotion, as advertised on Netspends official promotional page and documented by multiple financial consumer resources. The offer clearly indicated that new account holders who met specific conditionsincluding setting up a qualifying direct depositwould receive a {$200.00} bonus.

I followed all the required steps outlined in the promotion : 1. Targeted Sign-Up Link : I was targeted for this promotion and signed up through the valid Netspend referral bonus link : XXXX  : XXXX ( archived version : XXXX  : XXXX : XXXX ) XXXX. Account Opening : I opened my Netspend account on XX/XX/year>, as confirmed by the welcome email ( see attached ). 
3. Qualifying Direct Deposit : On XX/XX/year>, I received a qualifying {$400.00} direct deposit from my employer XXXXXXXX XXXX XXXX. ( Screenshot attached ) 4. Account Activation : I activated the account and registered for eStatement as required. 

Despite meeting all eligibility criteria within the promotional time frame, I never received the promised {$200.00} bonus. Worse yet, when I contacted Netspend customer service, representatives denied the existence of this promotion altogether, which is misleading and unacceptable. 

This behavior constitutes deceptive marketing and unfair business practices, violating consumer trust and potentially federal advertising standards. I am requesting immediate action to : Investigate this issue. 
Confirm the legitimacy of my participation and fulfillment of all promotional requirements. 
Issue the {$200.00} bonus as originally promised. 

If this matter is not resolved promptly, I will escalate my complaint to regulatory bodies, including : Federal Trade Commission ( FTC ) XXXX XXXX XXXX ( XXXX  ) I have attached all relevant documentation for your review, including screenshots of the deposit transaction and the welcome email from Netspend as well all screenshots. 

Thank you for your prompt attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX Email : XXXX Date of Account Opening : XX/XX/year> 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 2025-07-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
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.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX XXXX I deposited a check into my checking account at Huntington national Bank.

When I asked to take some cash out of the check and to confirm the 500.00 that is available to you immediately. I was told by the employee its depends on what the system says and your bank account balance. that not what I was told a week ago by another employee when I asked. Huntington need a better written explanation as to what this is you can pick and choose. I was told if this is an emergency to drive to XXXX XXXX XXXX  and have them cash this check. Thats poor customer service and offensive. 
FYI most banks will not cash a check unless you have a bank account with Them to say I am upset is an understatement, I am not a new customer with Huntington and this is the first time I have note been able to to receive funds when depositing a check If there was a clear concise written explanation or a visible document. That would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

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 non-monetary relief
Consumer complaint received 2025-07-26 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief