vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed by someone and we'll Fargo didn't catch the problem.then charge me 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 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am filing this formal complaint against XXXX  for their failure to properly investigate and refund unauthorized transactions that occurred through my XXXX  account, despite substantial proof that I was a victim of fraud and identity misuse. 

In XX/XX/year>, I discovered multiple XXXX  payments made from my account that I did not authorize. I immediately reported these charges to XXXX  and submitted the necessary supporting evidence, including : A police report filed with the XXXX XXXX XXXX XXXX confirming I was a victim of financial fraud. 
Text message exchanges with the individuals involved, clearly showing that they denied receiving or authorizing the charges and that I did not give anyone permission to use my account. 
Medical documentation confirming that I was under medical care and unable to manage my phone or accounts during the time of the transactions. 

Despite providing this documentation, XXXX  denied my fraud dispute and refused to refund my money. Their decision contradicts federal consumer protection standards and violates the principles of the FDIC-insured financial system and Electronic Fund Transfer Act ( Regulation E ), which protect consumers from unauthorized electronic transactions. 

XXXX handling of this case demonstrates a failure to act in good faith and protect consumers who have clearly been victims of fraud. 

Resolution Requested : I respectfully request that XXXX  be required to : 1. Refund all unauthorized transactions that were improperly denied ; and 2. Provide written confirmation acknowledging the mishandling of my fraud case. 

Supporting Documents Attached : Police report ( XXXX XXXX XXXX XXXX  ) Screenshots of text message evidence Medical documentation XXXX  correspondence ( Dispute ID : XXXX ) External Payment ID : XXXX Thank you for your time and attention. I ask that your office review this case and take action to ensure XXXX  complies with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: IN

Complaint narrative:
Dear TransUnion, I am writing to formally dispute certain information on my TransUnion credit report related to the account listed below. I am not requesting deletion of the account, but I am disputing the late payment history associated with it, as I believe these entries are inaccurate and do not reflect my true payment record. 

Account Information : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$100000.00} Reason for Dispute : The late payments reported for this account are incorrect. I have maintained timely payments, and there may have been a reporting or posting error by the creditor or data furnisher. These inaccuracies are negatively impacting my credit report and do not represent my actual payment behavior.

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 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management is attempting to collect an old debt that has been charged off by XXXX XXXX XXXX XXXX XXXX  in the amount of {$2600.00}. I did not authorize/sign for the sale or transfer of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Dear PNC Dispute Resolution Team, I am writing to formally dispute one or more unauthorized transactions on my [ debit/credit/business ] card account ending in XXXX. 

I did not authorize or participate in these transactions, and my card has remained in my possession. My PIN is memorized and has never been shared. It appears that my card information may have been compromised electronically through a merchant or network breach. 

Pursuant to [ Regulation E / Regulation Z / UCC 4A-204 and Visa Zero Liability Policy ], I request a full investigation and provisional credit during the review period. Please confirm receipt of this dispute and the expected resolution timeline in compliance with federal requirements. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
I gave this vehicle back to United auto acceptance in XXXX XXXX XXXX XXXX. I paid them over XXXX XXXX dollars for this vehicle. They have gotten the vehicle back and sold it.And they still are trying to charge me the full amount of this vehicle after purchase. His cute vehicle was taken off of my credit with the balance of XXXX. They put the vehicle back on my credit and trying to charge me for this vehicle.The full amount in the present day.

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 2025-11-09 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: LA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

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 2025-11-09 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 filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : 1. Inquiry Name : XXXX  Inquiry Date : XX/XX/year> Reason for Dispute : This inquiry was made without my authorization or permissible purpose under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

2. Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year> Reason for Dispute : I did not authorize this inquiry, and no application or consent was provided to the creditor for access to my credit file. This constitutes a violation of the FCRA 604 and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: OR

Complaint narrative:
I started using direct Express because a identity theif was accessing my financial accounts and either closing them or changing policies without permission illegally.

I believe it scam artist is using I'd.me XXXX To log on to my government accounts and the IRS his now confirmed a tax fraud investigation into my ex spouse in regards to him accessing my refund accounts. 

Direct Express accounts are changing without notice and I reported this to them a couple months ago and file did dispute. The dispute it was then altered in the system and the wrong charges were assess. 

Direct Express is continuously informing me that someone is trying to access my social security benefit information and change it in the system in regards to my personal data.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: MI

Complaint narrative:
Subject : Deceptive Sales Practices by XXXX XXXX XXXX and Failure of Card Issuer to Assist in Dispute of Unauthorized Charge Details of the Issue : On XX/XX/year>, I made a car rental reservation with XXXX XXXX. During the online reservation process, I declined all optional insurance coverage, as my credit card already provides primary rental car collision insurance. 

However, when I arrived at the rental counter on XX/XX/year>, the sales representative engaged in deceptive and high-pressure tactics to get me to add insurance that I had already declined, in the amount of {$880.00} on XX/XX/year>. 
Specifically : The representative told me that my credit card did not include any rental insurance coverage and he had never seen that type of card before, which was false. 
When I questioned this, the representative repeatedly left the counter for long periods of time ( approximately XXXX minutes each time ), creating confusion and pressure. 
I was told that the vehicle could not be rented without purchasing their insurance, which is also false. 
As a result of these misleading statements, I felt coerced and was misled into accepting the insurance coverage. 

I later confirmed with my credit card issuer that my card does include primary rental insurance, meaning I never needed the additional coverage. 

The insurance charge was {$880.00} and appeared on my credit card as a second part of the rental transaction. 

Actions I Took to Resolve : I contacted XXXX and requested removal of the insurance charge. They refused, despite my explanation and documentation. 
I then disputed the charge with my credit card issuer, US BANK, under the Fair Credit Billing Act, explaining that the charge was the result of misrepresentation and coercion. 
Despite multiple calls, submitted evidence, and follow-ups, my card issuer refused to reverse the charge and closed the dispute, stating the merchant claimed the service was accepted, even though I was misled into accepting it under false information. 

What I Believe Went Wrong : The rental company used deceptive and coercive sales tactics to add optional coverage I did not want. 
My credit card issuer failed to properly investigate the dispute, and relied solely on the merchants statements rather than evaluating the evidence of misrepresentation.

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 2025-11-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Reinsertion of Deleted Account Without Proper Notice Violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) To : Experian Dispute Department Dear CFPB Representative, I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), regarding the improper reinsertion of a previously deleted account on my credit report. 

Account Details : Creditor Name : XXXX  Account Number : XXXX {$450.00} Creditor Name : XXXX  Account Number : XXXX {$390.00}. Creditor Name : XXXX. Account number XXXX {$470.00} Creditor Name : XXXX XXXX XXXX Account Number : XXXX {$400.00} These accounts was previously deleted from my Experian credit file after a formal investigation determined it could not be verified. However, it has been reinserted into my credit report without proper written notice within five ( 5 ) business days, as required by federal law.

According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), a consumer reporting agency must notify the consumer in writing within five business days of reinsertion and must also verify that the furnisher has certified the accounts accuracy. Experian failed to do either. 

This reinsertion of unverified and previously deleted information constitutes a violation of the FCRA, as it negatively impacts my creditworthiness and reporting accuracy. I am requesting the CFPB to : 1. Investigate Experians noncompliance with FCRA 1681i ( a ) ( 5 ) ( B ).

2. Require immediate deletion of the reinserted XXXX account from my credit file. 
3. Ensure Experian provides certification and documentation verifying the accounts accuracy if they claim it is valid. 

Please hold Experian accountable for their repeated violations of federal consumer protection laws. I expect full removal of the reinserted item and written confirmation that this issue has been resolved. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Reinsertion of Deleted Account Without Proper Notice Violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) To : Experian Dispute Department Dear CFPB Representative, I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), regarding the improper reinsertion of a previously deleted account on my credit report. 

Account Details : Creditor Name : XXXX  Account Number : XXXX {$450.00} Creditor Name : XXXX  Account Number : XXXX {$390.00}. Creditor Name : XXXX. Account number XXXX {$470.00} Creditor Name : XXXX XXXX XXXX Account Number : XXXX {$400.00} These accounts was previously deleted from my Experian credit file after a formal investigation determined it could not be verified. However, it has been reinserted into my credit report without proper written notice within five ( 5 ) business days, as required by federal law.

According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), a consumer reporting agency must notify the consumer in writing within five business days of reinsertion and must also verify that the furnisher has certified the accounts accuracy. Experian failed to do either. 

This reinsertion of unverified and previously deleted information constitutes a violation of the FCRA, as it negatively impacts my creditworthiness and reporting accuracy. I am requesting the CFPB to : 1. Investigate Experians noncompliance with FCRA 1681i ( a ) ( 5 ) ( B ).

2. Require immediate deletion of the reinserted XXXX account from my credit file. 
3. Ensure Experian provides certification and documentation verifying the accounts accuracy if they claim it is valid. 

Please hold Experian accountable for their repeated violations of federal consumer protection laws. I expect full removal of the reinserted item and written confirmation that this issue has been resolved. 

Thank you for your prompt attention to this matter.

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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
I received an app notification this morning XXXX that my account would be closing tomorrow XX/XX/year>. I called to inquire as I had just filed disputes which some are still active and open. The XXXX  XXXX ( who refused an agent id or to transfer me to a XXXX  or XXXX ) told me it was due to internet compliance which makes absolutely no sense as Ive had this account XXXX  years and outside of filing a dispute. I asked for more details and she stated she could not provide me anymore details nor transfer me to someone who could. She offered to transfer me to check on my disputes which I told her no because I had just checked on them. There had been no explanation from the bank for cancellation and it seems like retaliation for filing dispute charges, one in the amount of over {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: Chime Financial Inc
State: LA

Complaint narrative:
XXXX XXXX XXXX for the amount of XXXX in my chime app it shows 5 different transactions on my account. Money being transferred from my account to an external account of people I do not know. Also they verified that a device was attached to my account that s not mine . When calling customer service I cant get any straight answers or information on me being credited. My last call to them the rep literally hung up on me. My new phone # is XXXX XXXX XXXX Im not seeing where to update my #'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
this is a follow up in regards to a complaint about my account closure of XX/XX/year>. The closure was initiated by Wells Fargo. I understand that Wells Fargo has their reasons for closure weather I agree or not. What I find excessive is that I can not get access to my payroll deposits or Funds I transferred from another account that is in my name in a reasonable period of time. This amounts to over {$470000.00} that can be readily identified and has not been any issue in the past,. This issue is involving multiple accounts and has left me with no funds to pay any bills

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 2025-11-09 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: VA

Complaint narrative:
Checked my email today and email stated that I had a XXXX  XXXX account XXXX. I have never opened this account or have anyone permission or authorization to open this account in my name without my consent

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