vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I was contacted by someone impersonating Wells Fargo. They claimed my account had suspicious activity and instructed me to transfer funds via XXXX XXXX to protect my account. Believing I was speaking with Wells Fargo, I followed their instructions. 

When I realized it was a scam, I immediately reported it to Wells Fargo and filed a complaint with the FBIs Internet Crime Complaint Center ( IC3 Submission ID : XXXX ). Wells Fargo opened Claim # XXXX. 

On XX/XX/year>, Wells Fargo denied my claim, stating the transactions were authorized and that no processing error occurred. They closed the case without reimbursement. 

This decision fails to recognize that I acted under false pretenses. The transactions were not legitimately authorizedthey were the result of fraud through social engineering. Regulation E and CFPB guidance require banks to fairly investigate fraud claims, including those involving impersonation scams. 

I have requested the documents Wells Fargo relied upon in their denial but have not yet received them.

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 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I am formally disputing significant inaccuracies on my credit report that violate the legal requirement for maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ). These errors are causing me direct and ongoing financial harm.

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 2025-09-16 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 have disputed the following accounts with TransUnion multiple times, yet they continue to be reported without proper verification : XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX I specifically requested verification and documentation to prove ownership of these accounts. TransUnion has failed to provide this information and instead continues to report them as accurate. 

My personal identifiers ( SSN, DOB, drivers license, medical, and financial data ) have been compromised in multiple breaches : XXXX XXXX  breach SSN, DOB, drivers license, credit card numbers XXXX XXXX  XXXX  breach SSN, DOB, medical, insurance, banking data XXXX TransUnion breach SSN, DOB Because my identifiers are permanently compromised, TransUnion can not reasonably verify these accounts. Under FCRA 1681e ( b ), 1681i, and 1681c-2, these accounts must be permanently deleted. 

I am requesting that TransUnion immediately delete these disputed accounts and confirm in writing.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I submitted a timely Validation of Debt request to PORTFOLIO RECOVERY regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the alleged balance of {$800.00} and {$290.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, XXXX XXXX XXXX XXXX failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXXX XXXXXXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for their ongoing mismanagement of my account, inaccurate credit reporting, and failure to resolve fraudulent transactions and unauthorized insurance charges despite multiple requests. Their conduct has caused significant financial harm, including derogatory marks on my credit report, increased debt load, and denial of credit opportunities. On XX/XX/year>, XXXX charged me for add-on products including a XXXX XXXX fee ( {$190.00} ) and XXXX  XXXX  XXXX under the Bronze Plan without my informed consent I never knowingly agreed to, nor authorized, these additional products. They were presented in fine print and bundled with the original jewelry purchase. Statements show recurring finance charges, late fees, and insurance fees that appear to be compounding without proper validation. Despite timely objections, XXXX has failed to correct these billing errors or provide a lawful validation of the debt as required under the Fair Credit Billing Act ( FCBA ). XXXX has continued to report this disputed account to Experian, TransUnion, and Equifax, despite my written disputes. This inaccurate reporting is in violation of 15 U.S.C. 1681s-2 ( b ) ( FCRA ), which obligates furnishers to investigate and correct disputed 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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Hello, this is with chase Bank. I've been trying to get my funds back for the past 4 years now. In the amount of about XXXX. In XXXX of XXXX  I'd gotten 2 cashiers check from my bank to deposit in someone's else 's account with chase. I accidentally put the wrong name on the cashiers check, and rhe teller still took the checks without telling me that the names doesn't match, that's something that I wasn't aware of until later on that day. The next day I drove XXXX XXXX  to the bank to try and get my funds back and was told that I couldn't get them back, that they were in the fraud department. Also the manager had gotten real nasty with me also. I tired to get my bank to out a stop on them, but they said that they couldn't do it. I've emailed the CEO and have spoken with alot of people about this. The last thing that was told to me was to get in touch with that law firm. I tried telling them that that law firm doesn't even exist, I've been scammed with that " law firm ''. Then I was told that since my name was not on that account that they couldn't give me any information about that! I've gotten in touch with the account holder and she said that chase closed her account and told her that they had given me my funds back. I've never received anything form chase. My bank told me that I would have to file a police report and get a lawyer to take them to court also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am contacting you regarding the above-referenced account. It has been reported on my credit file as a charge-off with a balance owed, while at the same time a third-party debt collector, XXXX XXXX XXXX, is also reporting a balance on the same account.

Under the Fair Credit Reporting Act ( FCRA ), 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting information they know, or reasonably should know, is inaccurate. Once an account is sold, transferred, or assigned, the original creditor must report a {$0.00} balance and indicate the account has been sold/closed. 

At present, both XXXX and XXXX XXXX XXXX are reporting active balances. This is misleading, inaccurate, and harmful to my credit standing. 

I hereby demand that XXXX immediately : Correct its tradeline to show a {$0.00} balance with the notation sold/charged off/transferred, or Delete the tradeline entirely if you can not verify its accuracy.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-09-16 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information contained in my credit report must be accurate, complete, and verifiable. The credit reporting agencies and data furnishers are in direct violation of this law by maintaining inaccurate and inconsistent information on my file. The FCRA clearly states that any information that can not be fully verified with proper documentation must be deleted immediately. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors and reporting entities from using or reporting false, inflated, or misleading information. By keeping incorrect data in my credit report, my creditworthiness is being unfairly damaged, which constitutes an unlawful practice. I am demanding a thorough, fair, and prompt investigation as required under the FCRA, and the immediate deletion of all inaccurate or unverifiable items from my file. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information contained in my credit report must be accurate, complete, and verifiable. The credit reporting agencies and data furnishers are in direct violation of this law by maintaining inaccurate and inconsistent information on my file. The FCRA clearly states that any information that can not be fully verified with proper documentation must be deleted immediately. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors and reporting entities from using or reporting false, inflated, or misleading information. By keeping incorrect data in my credit report, my creditworthiness is being unfairly damaged, which constitutes an unlawful practice. I am demanding a thorough, fair, and prompt investigation as required under the FCRA, and the immediate deletion of all inaccurate or unverifiable items from my file. 

The name the company XXXX XXXX XXXX XXXX I will send them proof that they have never sent me an original letter of opposition or my signature on anything, only assumptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax block fraudulent information appearing on my consumer credit report within 4 business days of receipt. The following accounts were not opened, authorized, or initiated by me and are the result of identity theft and fraud : XXXX XX/XX/XXXX ( Acct. No. XXXX ) XXXX XX/XX/XXXX ( Acct. No. XXXX ) XXXX XX/XX/XXXX ( Acct. No. XXXX ) XXXX XXXX XX/XX/XXXX ( Acct. No. XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( Acct. No. XXXX ) These fraudulent accounts have also generated unauthorized hard inquiries and collections, which now appear on my FICO credit report. I do not recognize or acknowledge these accounts, inquiries, or collections as valid. 

I have attached : A copy of my consumer credit report showing the fraudulent items. 
A list of the hard inquiries in question. 
FTC Identity Theft Criminal Complaint No. XXXX as proof that these accounts are the result of identity theft. 
I demand that all fraudulent accounts, inquiries, and related collections be blocked and permanently removed from my credit file, and that I receive written confirmation of compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX/ Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
In XX/XX/XXXX, I was issued a settlement check from the CFPB XXXX XXXX matter ( Check # XXXX, {$540.00} ). The accompanying CFPB letter shows it was mailed to the wrong address ( XXXX XXXX XXXX, XXXX, PA ). Because of this error, I did not receive it until after it had already expired on XX/XX/XXXX. 

I contacted XXXX XXXX XXXX multiple times and provided copies of the voided check, their letter showing the incorrect address, and my Pennsylvania drivers licenses ( old and current ) proving my identity and address history. Despite this, they have not reissued the payment. 

I am the rightful payee, and the expired check was solely due to their mailing error. I am requesting immediate reissuance of my {$540.00} settlement payment to my correct current address.

Company response to consumer: Closed with explanation