vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of information appearing on my consumer report maintained by XXXX XXXX XXXX. The following account is being reported as Closed for Cause and Checking Account Fraud, but I have no knowledge of this account, nor did I authorize its opening or activity : Bank Name : Bank of America Bank Routing Number : XXXX Account Number : XXXX Incident Date : XX/XX/year> Status : Unpaid Contribution Reason : Checking Account Fraud This account does not belong to me and must be removed from my report immediately. Between XXXX and XX/XX/year>, XXXX Bank of America accounts were fraudulently opened in my name without my consent. During that time, my purse and phone were stolen, which contained my debit card, state ID, and personal information. It is clear that someone used my stolen information to commit fraud. 

Both accounts were closed by Bank of America in XX/XX/year>, and I was never given prior notice or an opportunity to dispute the claims before they were reported to Early Warning Services. I have made multiple attempts to resolve this issue, but the negative marks still remain, unfairly damaging my credit standing and preventing me from opening new accounts or managing my finances responsibly. 

This situation is not my fault and has caused serious hardship. I am a victim of identity theft and should not be held accountable for fraudulent activity committed by another person. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am exercising my legal right to dispute this information. I demand that you reinvestigate this matter immediately and permanently delete all fraudulent and inaccurate information from my consumer report. 

For your review, I am enclosing a copy of my police report, along with a copy of my government-issued ID and any supporting documents verifying my identity. 

Please confirm in writing once this information has been deleted from my record. If this dispute is not resolved promptly, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Early Warnings handling of this matter. 

This situation has unfairly affected my financial reputation and ability to maintain basic financial stability. I ask that you take this matter seriously and act quickly to correct these false and harmful records.

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 2025-11-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I've received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information regarding my credit report. These remarks have been detrimental to my life and credit health.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am disputing inaccurate and incomplete credit reporting related to a TD Bank XXXX account that resulted in a garnishment based on a judgment that has now been legally vacated. 

On XX/XX/year>, the XXXX XXXX XXXX XXXX ( Case No. XXXX ) issued an Order Vacating Default XXXX pursuant to XXXX. XXXX ( d ) ( XXXX ) after finding that I was never properly served at my dwelling or usual place of abode. The court explicitly cancelled the XXXX of XXXX. XXXX. and marked the case closed. 

Despite this ruling, TD Bank and its representatives have continued reporting the account as charged off and delinquent, which is inaccurate because the underlying judgment is now void ab initio ( invalid from the start ). Additionally, the XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX a XXXX of XXXX on XX/XX/year>, confirming the garnishment was dissolved. 

These court orders confirm the debt is no longer enforceable and should not appear as an active derogatory item. Continued negative reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report only accurate and current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
Dear WELLS FARGO AUTO CREDIT BUREAU OPERATION : When I reviewed my credit report recently, I was surprised to see late payments reported on my account on XX/XX/year>. I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that XXXX have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which XXXX have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Disputed via email. They sent ONLY an XXXX statement. 
NO purchase agreement, NO chain of title. 
Resumed emails & mail = FDCPA violation. 
Account XXXX. 
Fair resolution : PERMANENT DELETION from all XXXX CRAs + cease collection. 
If owed, settle for {$0.00} or XXXXXXXX XXXX XXXX XXXX $ XXXX payments ). 
Attached proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-05 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$19000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$8000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX CARD # XXXX XX/XX/XXXX -- {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX. ) # XXXX XX/XX/XXXX -- {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: TN

Complaint narrative:
XXXX XXXX XXXX constantly email me while im at work trying to get me to settle a debt, theyre sending the same email everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Wrongful Collection & Reporting Without Proof LVNV Funding LLC purchased an alleged debt of {$1300.00} and placed it on my credit report. I asked for validation as allowed under the FDCPA. They have not provided any verification, yet continue to report and update the account.

Violations include : FDCPA 809 ( b ) continued reporting after dispute FCRA 623 ( b ) failure to conduct reasonable investigation Requested action : Provide written validation and proof of ownership, or Remove the tradeline immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Last year I paid over {$100000.00} in credit card payments. Where did the money go? What did it cover? I paid thousands in interest, minimum payments and large payments. What did it total in debt paid?

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I filed a fraud claim with Wells Fargo for XXXX unauthorized transactions on my card ending in XXXX. Wells Fargo opened claim # XXXX but only included XXXX of the XXXX transactions. The omitted transaction is {$120.00} on XX/XX/year> with merchant descriptor XXXX XXXX, WA ( commonly associated with XXXX billing ). 

In addition, an {$86.00} charge dated XX/XX/year> from XXXX was initially listed in the claim and then marked as removed without resolution or written explanation. I did not authorize either charge and I have never received documentation of XXXX XXXX investigation or a final decision for these XXXX items. 

Since filing the claim, I have contacted Wells Fargo multiple times ( Claims, managers, and the XXXX XXXX ). Despite these efforts, Wells Fargo has not ( 1 ) added the {$120.00} transaction to my claim, ( 2 ) provided a reason for removing the {$86.00} item, or ( 3 ) issued reimbursement. I have provided screenshots and a timeline showing both transactions and the claim history. 

This has caused financial harm and significant time lost attempting to resolve a straightforward fraud dispute. I am seeking regulatory assistance to obtain a complete review and written outcome. 

Steps taken with the company ( dates & outcomes ) : XX/XX/year> Filed fraud claim for XXXX transactions ( XXXX created # XXXX ; only XXXX included ). 
XX/XX/year> Multiple calls with Claims and managers; advised investigation in progress. 
XX/XX/year> App shows {$86.00} XXXX marked Removed from claim with no explanation. 
XXXX Repeated follow-ups with XXXX XXXX ; no addition of the missing {$120.00} item and no written decision.

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 2025-11-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX I applied for a loan, to a company called XXXX XXXX XXXX XXXX they sent me a contract that i was approved and to set the date for automatic payments, i had set it for every XXXX of the month and submitted my routing number and account number. After everything went in, i got a called saying my " funds will be in soon and thank you for choosing star loan ''. It was the weekend, so I assume the funds won't be in until, Monday XX/XX/XXXX. XX/XX/XXXX is when the company XXXX XXXX XXXX hacked my chase bank account. Monday XX/XX/XXXX I received emails saying that I needed more paperwork for my claim. I wasn't able to sign in to my account through my mobile app. I kept getting a network error every time i sign in. i figured the system was down, so i tried to sign in on XX/XX/XXXX. i was finally able to sign in and that's when I noticed all these weird transactions on my chase account. I called chase bank right away. i was transferred to the claim department. I was talking to the chase bank representative and told me I had made calls on Monday XX/XX/XXXX, that i supposedly called and requested reversed payments. I notified the chase representative that i never made a call to chase, until the next morning XX/XX/XXXX. The hackers, reversed XXXX payments for my car note, XXXX payments for my wife car note, and XXXX payments for my light bill. The chase representative realized my account was hacked and he help me put a claimed for those transactions that happened. The chase representative told me don't worried chase will help you pay those payments back and help me get my money back. it will take about XXXX business days. I called back on XX/XX/XXXX and waited for the XXXX business days to pass. Once i got transferred to the claim department to check on my claim that was already submitted on XX/XX/XXXX, The lady ( chase representative ) told me my claim was denied due to that everything was done from my phone. I notified the chase representative that I wasn't able to sign in to my mobile app on Monday XX/XX/XXXX when all the transactions happened. The chase representative told me there was nothing else she can do, because all the money was transferred to my cash app. My cash app is linked to my chase bank account. I called cash app to dispute the transaction that happened with out my authorization. they were able to help me with XXXX transaction, and was denied for the other transaction that happened on XX/XX/XXXX. So chase bank denied my claim and Cash app denied my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
They never told me my credit was getting pulled I was supposed to be getting signed up as a rewards member. While buying perfume

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
My cash app account was closed due to suspected fraud. I tried to get answers on what fraud but they refused to answer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX CARD # XXXX XX/XX/XXXX -- {$0.00} XXXX LT XXXX XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-05 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: GA

Complaint narrative:
RE : Formal Dispute Demand for Correction Under 15 U.S. Code 1666b Payment Was Never Late I am writing to formally dispute the reporting of a late payment on the account listed below : XXXX : XXXX XXXX  DELAWARE XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : PNMAC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  The payment in question was made on time and must not be reported as late. Under 15 U.S. Code 1666b ( Timing of Payments ), a creditor may not treat a payment as late if it was received by XXXXXXXX XXXX on the due date at the specified location. You have failed to provide any legitimate documentation proving otherwise. Therefore, this is an unlawful and inaccurate report. 
I am demanding that the account be immediately updated to reflect Paid Never Late across all credit reporting agencies. Anything less will be considered a continued violation of federal law. 
Furthermore, please be advised that I have already filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX  regarding this matter. 
If this issue is not resolved within XXXX days from the date of receipt of this letter, I will proceed with legal action for : Violations of the Fair Credit Reporting Act ( FCRA ) Violations of the Truth in Lending Act ( TILA ) Damages for negligent and willful misreporting Attorneys fees and additional legal remedies You are now on legal notice. I expect written confirmation and full correction within the statutory timeframe. Failure to act will result in escalation without further warning.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: FL

Complaint narrative:
Description of Issue : On XX/XX/year>, my purse was stolen from the womens restroom at a XXXX in XXXX, Florida. Inside the purse were several personal items, including my Social Security card, multiple bank and XXXX cards, and my XXXX XXXX debit card linked to my federal benefits account. My cell phone was also stolen, making it more difficult to access my account online. 

Since that date, I have made multiple attempts to contact XXXX XXXX customer service to report the theft, request a replacement card, and check the balance of my account. Each time I call, the automated system transfers me to customer service where I am placed on hold for nearly an hour or more, and no representative ever answers the call. I have attempted several different call options, including the report lost/stolen card option, and the same issue occurs. 

Additionally, I have been unable to log in to my XXXX XXXX account for nearly a week, preventing me from checking my balance or verifying recent transactions. As a result, I am currently behind on rent and my car payment, because I can not access or confirm the funds that are supposed to be available in my account. 

Concerns and Possible Violations : XXXX XXXX complete failure to answer customer callsespecially for urgent reports of stolen cards and potential fraudappears to violate several consumer protection standards, including : 1. Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005 ) : Financial institutions must provide consumers with the ability to promptly report lost or stolen cards and unauthorized transactions. 
They must also investigate and respond to consumer reports of unauthorized use within required timeframes. 
XXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act ( 12 U.S.C. 5531, 5536 ) : Blocking access to essential customer service lines, especially for theft and fraud issues, can constitute an unfair or abusive practice, as it causes substantial harm to consumers who rely on these funds for essential living expenses. 
XXXX. Failure of Duty of Care for Federal Benefit Recipients : XXXX XXXX, as a government-contracted financial product, has a heightened responsibility to ensure account holders can access their federal benefits safely and securely. Failure to maintain working communication lines is a serious breach of this duty.

Requested Resolution : I am requesting that the CFPB contact XXXX XXXX on my behalf to : Immediately investigate why customer service calls are not being answered ; Ensure I receive a replacement card and access to my account ; Review whether any unauthorized transactions occurred after my card was stolen ; and Require XXXX XXXX to take corrective measures to ensure future accessibility for all consumers reporting lost or stolen cards.

Company response to consumer: Closed with monetary relief