vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/year>, I initiated a wire transfer of {$6000.00} from my Wells Fargo checking account to my XXXX brokerage account. I was charged {$25.00} fee for this transaction. The same day my transfer returned to me {$5900.00}. When I asked XXXX why the transfer returned back to me, they said it's because my transfer didn't include an XXXX section with my brokerage account number. They needed a " final credit to '' or " for the benefit of '' in order to place the money under my account. However, Wells Fargo never asks for that information for wire transfers. The " account number '' they ask for is the account number of XXXX, which I correctly inputted. So the wire transfer process is faulty to begin with. 
Furthermore, I asked both parties about what happened to the {$50.00}. XXXX said they don't ever charge for transactions so I should talk to Wells Fargo. Wells Fargo said the discrepancy is due to the other bank. Both sides are putting the blame on each other so it looks like my {$50.00} just disappeared. 
This has happened to me before with Wells Fargo. On XX/XX/year>, a wire transfer returned to me {$20.00} less. This return was due to my mistake, but I still don't understand why it didn't return fully. For this transaction I was charged a separate {$25.00} as well, so the {$20.00} is not related to the wire transfer fee.

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 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Someone tried to use my identity to get a personal loan. I do not have a loan or any active account open with this company and Id like the inquiry removed off of my credit report. This is negatively affecting me and I need this fixed. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), a hard inquiry ( which affects your credit score ) can only be made if there is a permissible purpose specifically, if you initiated a credit transaction or there was a legitimate intent to extend credit.

If there is no open account, no approval, and no valid business need, the inquiry may be unauthorized or questionable.

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 2025-04-17 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: NY

Complaint narrative:
Someone tried to use my identity to get a personal loan. I do not have a loan or any active account open with this company and Id like the inquiry removed off of my credit report. This is negatively affecting me and I need this fixed. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), a hard inquiry ( which affects your credit score ) can only be made if there is a permissible purpose specifically, if you initiated a credit transaction or there was a legitimate intent to extend credit.

If there is no open account, no approval, and no valid business need, the inquiry may be unauthorized or questionable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Once again, Equifax is reporting misinformation and not actually investigating claims. AI is doing it. They now have two collection agencies reporting exact same data from an alleged creditor. I have repeatedly asked the creditor directly as well as the collection agencies to show me a wet signature, proof of debt etc to no avail. Now this is plain harassing behaviour. It looks like TWO different items and I screenshot below. I am tired of doing all this legwork. The other agencies investigated and found that this alleged debt is NOT MINE and took them off. Why is Equifax not doing the same? It is obvious the collection agencies are in cahoots with the reporting agencies and creditors in an attempt to get people to pay things not theirs or provable. I want PAPERWORK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I deposited my paycheck number XXXX for the amount of {$9600.00} into Chase Bank on XXXX, and I was told it could take up to ten business days to cash. Well, after the waiting period, I was told my paycheck was no good because my paycheck could not be verified but what Chase Bank didn't say is that they were holding my paycheck until they could verify my paycheck which took until XXXX for me to get that information from them. So in XXXX Chase Bank said they are going to hold my paycheck until my paycheck could be verified by the issuing Bank but they need the issuing Bank 's phone number that must match their Chase Bank record for bank 's. Well, I explained that to keep the fraud to a minimum, the original company which I dealt with is XXXX which I emailed at XXXX and the other company that I emailed is XXXX which I emailed at XXXX. After that explanation, Chase Bank said per their policy they will hold my paycheck for two years and send my paycheck it to the State if not verified by that time. I'm not sure why Chase Bank is holding my paycheck for two years, and I'm sure they would not want this for their selves. I do not have a phone number, nor would the original company give me a phone number they want to avoid any fraud. The XXXX XXXX is an XXXX XXXX  that is on my paycheck as well. I tried to contact XXXX XXXX without any success oh, I gave Chase the phone number I was given which did not match Chase Bank bank records. So, no call was attempted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Subject : Demand for Immediate Removal of Negative Items and Correction of Credit Report Due to Data Breach & Consumer Rights Violations Dear Credit Bureau, I am writing to formally dispute any and all negative, inaccurate, and unverifiable items appearing on my credit report, as my rights under federal law have been violated due to recent data breaches affecting millions of consumers. My personal information, including but not limited to my Social Security number, has been compromised, and I demand the immediate removal of any and all negative items from my credit profile.

Legal Basis for My Dispute & Request for Deletion : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : Under 1681i, you are required to reinvestigate any disputed information and remove unverifiable or inaccurate data within 30 days.

Given the multiple data breaches, any derogatory marks on my credit profile must be presumed inaccurate and removed immediately.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : If any negative account has been reported by a third-party debt collector, I demand strict validation as per 1692g ( b ).

Any unverifiable debt must be deleted in accordance with federal law. 

XXXX. Consumer Financial Protection Bureau ( CFPB ) Guidelines : Your failure to safeguard my sensitive data puts you in direct violation of the standards established by the CFPB. 
As a result, I demand all negative and derogatory entries be deleted immediately. 

4. Recent Data Breaches Violation of My Privacy Rights : Due to multiple security failures, my data has been exposed to unauthorized third parties, increasing the likelihood of identity theft.

I invoke my rights under the Fair Credit Billing Act ( FCBA ) and Identity Theft Laws to have all disputed accounts removed.

Immediate Actions Required : 1. Remove all negative, outdated, inaccurate, and unverifiable information from my credit profile immediately.

2. Cease all reporting of any accounts related to data-breach incidents or fraudulent activity.

3. Provide me with a new copy of my updated and corrected credit report.

4. Unfreeze my credit profile if it is currently frozen.

Failure to comply with my request within the required legal timeframe will result in legal action, including complaints to the CFPB, FTC, and my states Attorney Generals Office for willful non-compliance with federal consumer protection laws.

I expect a written response within 30 days confirming the complete removal of all disputed items. Please send all correspondence to my mailing address listed above. NOTICE is now given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is 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 non-monetary relief
Consumer complaint received 2025-04-17 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:
This collection service XXXX  for a account for charter XXXX  XXXX and this whole account is fraudulent and I want it removed off of my credit my TransUnion my Equifax and my experience before I file a lawsuit the account balance is showing {$5.00}, 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 2025-04-17 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: MI

Complaint narrative:
I filed a dispute with them, I have talked with several representatives and they stated that they could not fix the issues. They are reporting that I have credit card balances with XXXXXXXX XXXX of {$1800.00} of which the balance is {$0.00} and the XXXX XXXXXXXX with a balance of {$370.00} and the balance is {$8.00}. They are reporting that I have a collection account and its a paid account. Then they reported that my report was updated on XX/XX/year> in the information is accurate so I called them and told them the information is not accurate.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy Federal Credit Union restricted my account without me knowing and finding out until XX/XX/XXXX, the representative told me my online banking was compromised and to fill out an appeal form. I did and today XX/XX/XXXX it gets denied with a vague answer saying how I maintained my accounts. I have never had no check fraud issues nor negative balances up until now. I called and was told there was an issue involving a check in the amount of {$44000.00} which I never deposited, authorized, or had knowledge of. Since opening my account, I have never deposited any checks, and XXXX XXXX has not provided any proof or documentation that I deposited this check myself. They eventually stated I only owe {$200.00} because they pulled funds from the account with no money in it to add it to the credit card and telling me I am responsible. Complicating this further, my business XXXX was stolen prior to this incident in XXXX. I disclosed this to XXXX XXXX, provided screenshots, and stated that I believe unauthorized access may have occurred. Despite this, my appeal to their internal claims department was denied without an explanation, evidence, or transparency into how the investigation was handled. I then filed a complaint with the XXXX, but they closed my case prematurely without resolution. XXXX XXXX has since continued to restrict my account, damage my financial standing, and ignore legitimate evidence that the activity was unauthorized. This is causing me severe financial stress, business disruption, and harm to my banking reputation all while XXXX XXXX continues to avoid accountability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Halsted Financial Services, LLC.
State: MN

Complaint narrative:
I have multiple accounts, Credit Card accounts and loan accounts. I am not in a position to send that information at this present time, but I can do it at a later time .. and I have one car repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
This debt was paid off. Dates unknown because debt collector refuses debt validation. It was paid in full after a debt collection phone call. 

Several months later additional debt collection calls were made to me stating that there was additional interest and penalties on that interest. These penalties and interest has continue to grow and the company has refused to provide a statement of the account so that I can show where it was paid in full and the amount attempting to be collected is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a personal loan from Upgrade.com. At the time, the website automatically entered the loan amount at {$50000.00}. There was no way for me to adjust this amount. 

I was told my loan was granted, but no paperwork was provided for me to sign. It wasn't until I logged on to their site to return the funds that I saw there were documents. You can see from the attachments below that the documents are not signed. 

The loan was funded on XX/XX/XXXX. I planned to return the unneeded portion immediately so that the monthly payment would be adjusted. 

I returned {$25000.00} on XX/XX/XXXX. I called customer service to ask them to recalculate the payment of {$1700.00} based on the actual loan amount of {$25000.00}. The representative at XXXX told me that " once the loan is funded, we can not change anything on the loan. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: OH

Complaint narrative:
Subject : Dispute of Student Loan Accounts Under FCRA and XXXX Dear EXPERIAN, EQUIFAX AND TRANSUNION, I am writing to formally dispute the accuracy and reporting of certain student loan accounts listed on my credit report. The accounts in question are : XXXX XXXX XXXX {$13000.00} XXXX  XXXX XXXX {$9000.00} XXXX  XXXX XXXX {$11000.00} XXXX  XXXX XXXX {$6300.00} XXXX  XXXX XXXX {$22000.00} XXXX  XXXX XXXX {$2300.00} XXXX  XXXX XXXX {$21000.00} Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information on my credit report that I believe is inaccurate or incomplete. I request that you investigate these accounts to verify their accuracy. If they are found to be inaccurate or can not be verified, I ask that they be removed from my credit report.

Additionally, under the Family Educational Rights and Privacy Act ( FERPA ), educational institutions are required to protect the privacy of student education records. If any of these accounts have been reported in violation of FERPA guidelines, I request that appropriate action be taken to rectify this. 

Please provide me with the results of your investigation and a copy of my updated credit report. 


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 explanation
Consumer complaint received 2025-04-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When I checked out my credit profile there were some inquiries listed that do not belong 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 explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I have filed several identity theft complaints with id theft affidavits to transunion. 

XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX I attempted to deposit a check written to my wife at the Wells Fargo branch in XXXX XXXX. The check was countersigned to me. I was told my wife had to be present with an ID to deposit the check. I have deposited checks written to my wife many times before in the past. I asked for the written policy and was told it was an internal policy. The banker, XXXX XXXX and the manager XXXX, XXXX were awful. I dont know if this was ageism, sexism, racism, or they just didnt like the look of me but I have completed this exact transaction in the past at this branch and others. Wells Fargo can do better.

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