vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
b'On XXXX my Wells Fargo checking account had almost XXXX dollars stolen by someone in Miami, using a replica of my debit card, apparently. When I looked at the addresses on the bank statement, they all were out of XXXX FL, and most transactions occurred at Wells Fargo ATM machines. I filed a fraud claim and after XXXX XXXX XXXX of review (we were promised XXXX XXXX), I was told that the claim was denied, closed, and that there was no way to appeal the decision. They said the reason the claim was denied was because the card and the PIN number was used for each transaction. As a result, my bills are behind and now my credit rating is in jeopardy.\n\nXXXX XXXXnXXXX XXXX\nXXXX- XXXXnXXXX XXXX\nXXXX- XXXXn(All following transactions were from XXXX as well:)\nXXXX\nXXXX\nXXXX\nXXXX\nXXXX\nXXXX\nXXXX\nXXXXn\nAs well as approximately XXXX worth of overdraft fees. \nAt the same time, my Wells Fargo card served as overdraft protection for this checking account. The bank reversed those charges, but then denied the checking account fraud claim that was related. \n\nFurther research on my end revealed that all the ATM withdrawals came from a WELLS FARGO ATM machine and/or BRANCH, where there are cameras installed for sure, but they say they did a thorough investigation. This is hard to believe. The addresses of the withdrawals are plainly listed on the bank statement we received today, and we have PHYSICAL PROOF of my whereabouts when the fraud occurred. \nWe were told that filing a police report was "up to us", and that the claim was closed. \n\nOf further note, after the fraud was initially reported, WF sent a new debit and credit card. Before the new debit card could be activated, there were more fraudulent charges occurring. Yet another debit card was sent and subsequently activated, but understandably, I have no plans on ever using Wells Fargo 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 monetary relief
Consumer complaint received 2025-06-30 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts include credit accounts opened at XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and on XX/XX/XXXX under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under XXXX XXXX XXXX and XXXX XXXXL on XX/XX/XXXX under XXXX XXXX. The report also shows fraudulent collections from XXXX XXXX XXXX on XX/XX/XXXX under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under XXXX XXXX, and an unauthorized collection listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in multiple unauthorized hard inquiries and collections affecting my credit profile. I demand that these fraudulent items be removed from all of my consumer credit reports and that any related collection activity cease immediately, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is a formal demand for the immediate release of {$110.00} unlawfully held in my Cash App account. 

You previously claimed that my funds were frozen due to a XXXX  XXXX, information subpoena, and restraining notice related to a legal matter. Specifically, your records reference the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX 

I have now obtained official court records showing that this case was discontinued without prejudice on XX/XX/year>, and no judgment was ever entered. This confirms that there is no legal basis for you to continue holding or restraining my funds. 

Your continued restraint of these funds violates : The Electronic Funds Transfer Act ( 15 U.S.C. 1693 ) Basic principles of due process and lawful seizure State and federal consumer protection laws Unless I receive a written confirmation of the release of these funds within 7 days, I will take the following actions : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) Report this unlawful restraint to the Federal Trade Commission ( FTC ), XXXX  Attorney Generals Office, and XXXX XXXX XXXX Initiate a civil action seeking return of funds, interest, damages, and legal fees This is your final notice to resolve the matter voluntarily. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2018, Balance : {$700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2018, Balance : {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that was open not by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2025-06-30 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: AZ

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I never applied to these companies, nor did I authorize them to access my credit file. This is a clear violation of my rights as a consumerrights I expect to be upheld, especially during an already stressful time in my life.

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 2025-06-30 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: GA

Complaint narrative:
detail about inaccurate reporting on my credit m I WOULD LIKE FOR EVERYTHING TO BE DELTED ESPICALLY LATE PAYMENT AND CHARGE OFFS

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 2025-06-30 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: GA

Complaint narrative:
detail about inaccurate reporting on my credit m I WOULD LIKE FOR EVERYTHING TO BE DELTED ESPICALLY LATE PAYMENT AND CHARGE OFFS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Email : XXXX Phone : XXXX SSN : XXXX Date : [ Todays Date ] To Whom It May Concern : I am writing to formally request that you investigate and remove the following hard inquiries from my credit report, as I do not recognize them and believe they may be unauthorized. Please also update my current address in your records to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Below are the inquiries I am disputing : Equifax XXXXXXXX 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 XXXXXXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX Please investigate these inquiries and remove any that are determined to be unauthorized. Also, kindly confirm that my credit report reflects my updated address as listed above. 

Thank you very much for your assistance. I look forward to receiving confirmation of the results of this investigation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IL

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I regularly monitor my credit report because maintaining a strong credit score is important to me. However, I continue to see false and inaccurate information that has yet to be correcteddespite raising this issue multiple times. This ongoing problem is not only stressful and exhausting, but its also unfairly damaging my credit and affecting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against Experian for their failure to maintain accurate and compliant data on my consumer report. Several accounts are currently being reported with serious Metro 2 and FCRA violations that materially misrepresent my credit profile. Below are the details : XXXX XXXXXXXX Experian is reporting a charge-off on this account following months of " OK '' payment history, which contradicts the required progressive delinquency sequence ( XXXX ) per Metro 2 standards. No prior derogatory status was reported before the charge-off, which is inconsistent and misleading. This violates FCRA 1681e ( b ) ( maximum possible accuracy ) and Metro 2 payment coding requirements. 

XXXXXXXX XXXX This account reflects a XXXX late sequence leading into charge-off. However, the payment history lacks consistency and alignment with the balance and activity reported. The late payment logic is unsupported by monthly data, with discrepancies across bureaus. This presents clear factual inaccuracies and violates FCRA 1681i ( failure to reinvestigate disputed data ) and Metro 2 reporting guidance on delinquency timelines. 

XXXX XXXX  The account is marked as charged off while still reflecting a consumer dispute notation. This directly violates FCRA 1681s-2 ( b ), which requires the furnisher and CRA to cease reporting disputed data until an investigation is complete. Additionally, the sequence of " OK '' and derogatory payment codes is not supported by consistent aging and monthly reporting logic, violating Metro 2 compliance. 

XXXX XXXX Experian reports a 30/60/90 late code progression without showing prior monthly delinquencies or billing validation. The payment history sequence is inconsistent, and Experian lists terms and balances that conflict with the data provided by XXXX  This raises concerns under FCRA 1681e ( b ) and demonstrates noncompliance with Metro 2 closure and delinquency coding.

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 2025-06-30 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo emailed me reporting that they received an on-line bank application but it was not successful because the bank was unable to verify my identity. I did not submit a on-line application with Wells Fargo .

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 2025-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Creditor asking for a higher deposit of half the amount of the vehicle in order for to be financed then the monthly payments are XXXX dollars. So the vehicle is XXXX with taxes and fees it be XXXX after. So they want half down with XXXX to XXXX XXXX a month.

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 2025-06-30 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: CA

Complaint narrative:
I recently reviewed my credit report and found an inquiry I do not recognize. I did not apply to this company, nor did I authorize or consent to them accessing my credit information. This unauthorized inquiry is causing me significant stress and concern.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX, did not send me my consumer right letter or email. The agency also failed to do a full investigation on my claim against td Raymond Flanigan. The account has inaccurate information from payments that werent made on a few months and the creditors mark as paid, also creditor has XXXX XXXX as a co-signer and that is inaccurate this person did not authorize that. XXXX XXXX was harass by phone and text also XXXX XXXX received the same treatment. I request for this account to be deleted right away. I attached some payment history shown by the credit agency XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit repot These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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