vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Urgent Complaint Regarding Unauthorized Transactions and False Insufficient Funds Notice To Whom It May Concern, I am writing to file a formal complaint regarding several unauthorized electronic transactions, that were debited, from my Wells Fargo account, along with a false insufficient funds notice I received, which caused significant confusion and financial hardship. 

On XXXX XXXX, 2025, I received an unexpected email from Wells Fargo, which stated, Insufficient Funds and that your account didnt have enough money to cover these transactions ... and they were returned unpaid. The email referenced check # XXXX for the amount of {$150.00}. This message was confusing and misleading, as there was clearly sufficient balance in my account after the unauthorized transactions. Furthermore, the email stated that my available balance at the time was {$0.00}, which was entirely inaccurate. 

However, on XXXX XXXX, 2025, This Insufficient Funds email from Wells Fargo Bank caused concern, and so I logged into my Wells Fargo online account and discovered that XXXX unauthorized electronic checks, totaling {$150.00}, {$50.00}, and {$50.00}, were withdrawn from my checking account by Explore Credit. These transactions resulted in a remaining balance of {$11.00} in my account. 

This situation is concerning for several reasons : XXXX. Unauthorized Transactions : The XXXX Explore Credit electronic checks that were debited from my account were unauthorized, and no explanation has been provided as to why these transactions were allowed to go through. 
XXXX. False Insufficient Funds Notice : The email stating insufficient funds was entirely false, as there was money remaining in my account after the unauthorized electronic check debits. The email misled me into believing my account had insufficient funds, causing unnecessary confusion and distress. 
XXXX. Lack of Online Dispute Resolution : I attempted to dispute these charges online, but instead of providing an option for online resolution, I was prompted to call Wells Fargo. I called and was told that my only recourse was to open a new account and that the original account would be placed on freeze hold pending an investigation, which could take up to XXXX business days.

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 2025-01-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I don't remember dates, but I have tried to dispute, and update some items on each XXXX of my credit reports in 2024, and they return them to me within XXXX week, stating that the information was correct, and I know that it wasn't.

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 2025-01-31 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

XXXX  XXXX XXXX  XXXX  bal. {$340.00} XXXX XXXX XXXX XXXX. {$35000.00} XXXX XXXX bal. {$200.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX  XXXX  bal. {$880.00} XXXX XXXX  XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XX/XX/year>2025 Wells Fargo bank posted a balance transfer of {$9000.00} and {$450.00} transfer fee without paying off XXXX bank balance of {$9000.00} first and after that they could legally post this {$9000.00} as a balance transferrer transaction from XXXX bank.

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 2025-01-31 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: CA

Complaint narrative:
Im attaching a FTC report with XXXX accounts which are fraudulent and listed on my credit report that needs to be removed. This is preventing me from getting a livable paying job to be able to provide for my children which has us currently living in a small mini van. It doesnt make sense nowadays people can steal your information and destroy someones lives! Please delete this garbage immediately please. For the love of God

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: MT

Complaint narrative:
Hard inquiries sent to multiple lenders without consent or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of all accounts associated with my personal information following a recent data breach. Below are the affected accounts : Accounts in Question : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$5400.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Balance : {$49000.00} Date Opened : XX/XX/XXXX Hard Inquiries : XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX MA : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX Personal Information : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This request is made under the Fair Credit Reporting Act ( FCRA ), and I am citing the following sections : 1. 15 USC 1681c-2 ( a ) : I request the immediate blocking of any accounts opened fraudulently in my name.

2. 15 USC 1681i : Please investigate and delete any inaccurate or unverifiable information resulting from this breach.

3. 15 USC 1681e ( b ) : I ask that you conduct a thorough review of my credit report and correct any inaccuracies caused by this breach.

4. 15 USC 1681g ( a ) : I am requesting a full copy of my consumer report to verify the accuracy of the information being reported. 
5. 15 USC 1681m : Please ensure that no negative information from this breach is reported inappropriately. 
I respectfully request written confirmation of the actions taken regarding my accounts, along with an update on any steps TransUnion is implementing to safeguard my personal information from further misuse. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
After reviewing my consumer report, I noticed a reported late payment on a account that has been properly maintained since establishing the account. Consumer reporting agencies are to report accurately reporting consumer information. A payment was never missed on account XXXX XXXX account number XXXX and account is set on auto pay for weekly debits above minimum payments due. I am requesting an investigation be conducted in regard to the above account. If creditor is unable to furnish proof, I am demanding that payment history be updated to reflect on time status.

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 2025-01-31 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: KS

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumer with the necessary proof of investigation. These are the accounts that are inaccurate. 
XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
had no clue of the increase of interest of my capitol one credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I have disputed three closed accounts on my credit report and there has been no change at all for the past year. i have called mutliple times with no answer.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NC

Complaint narrative:
So I made a purchase on the XXXX app for {$10.00} and the company doesn't accept cashapp cards. So I reached out about a refund on my pending transaction since I couldn't cancel. It's not Friday and still no money and no one to contact about my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the issue remained. I am extremely frustrated and need this resolved immediately. Please review the documents Ive submitted carefully so that I dont have to deal with this distress again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: OH

Complaint narrative:
I recently reviewed my credit report after a reinvestigation from the credit bureaus and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
Account # XXXX Account name : XXXX Report date : XX/XX/XXXX This account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( April 2023 30 days late on Transunion , Experian and Equifax . 60 days late on Equifax and No record on Experian and Transition.How is the possible for the same account, this is inaccurate. 

For the the date of Last active on Transunion XX/XX/XXXX on Experian XX/XX/XXXX and on Equifax XX/XX/XXXX. this is inconsistent and inaccurate for the same account ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-31 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: OH

Complaint narrative:
I recently reviewed my credit report after a reinvestigation from the credit bureaus and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
Account # XXXX Account name : XXXX Report date : XX/XX/XXXX This account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( April 2023 30 days late on Transunion , Experian and Equifax . 60 days late on Equifax and No record on Experian and Transition.How is the possible for the same account, this is inaccurate. 

For the the date of Last active on Transunion XX/XX/XXXX on Experian XX/XX/XXXX and on Equifax XX/XX/XXXX. this is inconsistent and inaccurate for the same account ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
This morning, I discovered incorrect accounts appearing on my credit report, and I have no idea how they got there. I routinely check my report, but this time, unexpected discrepancies showed up. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccuracies remained. Given this situation, I request a thorough review of the documents Ive submitted to ensure I never have to deal with this issue again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: First Technology Federal Credit Union
State: DC

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-31 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: Exeter Finance, LLC.
State: DC

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief