vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am a XXXX customer of American Express XXXX XXXX XXXX ) with multiple accounts in good standing. On XX/XX/XXXX, I discovered my business checking account was closed due to " non-funding after 120 days '' and placed in " Settled Terminated '' status. 

The only notification was a single email on XX/XX/XXXX, which went to my junk mail folder. I am deaf and rely on text messaging for critical communications. American Express has my phone number and uses SMS for fraud alerts, but chose email-only notification for account closure. 

When I contacted customer service ( Case : XXXX ) on XX/XX/XXXX, I explicitly stated I am deaf and requested accessible communication. The only callback option offered was phone-only via XXXX relay service. When I requested email contact for executive relations, I was given only a mailing address.

Despite 12 years of loyalty, there is " no provision '' to help customers who missed administrative deadlines. I am ready to fund the account immediately. I was also informed I am permanently banned from opening another business checking account with the same business identification number. 

American Express offers no text message alerts for critical matters, no communication preference settings, and relies on outdated technology as the only accommodation for deaf customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I own an interior design business. I received an inquiry online XX/XX/XXXX through my website about a new project. I was in contact with XXXX XXXX via email ( XXXX ) and via phone ( XXXX ) XXXX numerous times over the last several weeks regarding a new property. XXXX XXXX XXXX, XXXXXXXX XXXX He signed my proposal XX/XX/XXXX. He then went ahead and issued a cashier 's check overnight to my business address. The retainer amount was {$25000.00}. He mailed the check for {$35000.00} and told me he added extra for the electronics going in the home and that I needed to wire money to them. 
It all made sense, given under the project terms I would be purchasing all merchandise and materials along with overseeing the remodel. I went into my bank on XX/XX/XXXX, Wells Fargo to cash the cashier check. They called his bank and verified the funds were available. I waited until the following business day to be reassured the funds were good before I made a wire transfer. XX/XX/XXXX I wired {$10000.00} to XXXX XXXX. He then noted I needed to wire an additional {$4700.00} to her as well as they forgot to add an item. That afternoon after the wires went through I was suddenly notified by the bank my account was negative and overdrafted because the check was bad. I contacted XXXX right away and he assured me it was a bank discrepancy and it would be taken care of by the next business day. It wasn't. 
XX/XX/XXXX he overnighted me a new cashier 's check for {$30000.00}. That amount was never discussed and I have not cashed his check. I have it in my possession.

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 2025-11-14 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
MIDLAND CREDIT MANAGEM Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C. 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as a result of a data breach, in which my personal information was compromised. I did not authorize the creation of this accounts or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, Which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been completed. I understand that under the fair credit reporting act, you are required to complete your investigation and respond within 30 days. Thank you for your attention to this matter. 


PLEASE REMOVE ALL FRAUDULENT ITEMS OFF MY CREDIT REPORT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute certain information on my credit report that i believe is the result of a data breach and identity theft. In accordance with 15 U.S.C. 1681c-2, I am formally requesting that the credit reporting agency investigate and block any fraudulent information related to this breach. This information may have been generated as a result of a data breach, in which my personal information was compromised. I did not authorize the creation of this accounts or any associated transactions. I request that these items be blocked from my credit report in accordance with 15 U.S.C. 1681c-2, Which requires the blocking of fraudulent information resulting from identity theft or a data breach. I request that you block this information from my credit report, and kindly confirm in writing when the action has been completed. I understand that under the fair credit reporting act, you are required to complete your investigation and respond within 30 days. Thank you for your attention to this matter. 


PLEASE REMOVE ALL FRAUDULENT ITEMS OFF MY CREDIT REPORT!!!

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 2025-11-14 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: GA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint because my credit file contains multiple charge-off accounts that do not belong to me. I did not open these accounts, I did not authorize them, and I have no knowledge of them. They appear to belong to another person with the same or similar name, creating a mixed file. 

I have already filed an FTC Identity Theft Report and provided it to the credit bureaus and furnishers. Despite that, these items remain on my consumer reports and continue to damage my credit. 

Accounts to be removed : XXXX Account # XXXX Reported on Equifax with XXXX balance of {$4300.00} ; previously reported on Experian with {$3800.00} ( Experian has removed it, Equifax still XXXX it ). 

Status : Charge-off. Not mine. No authorization. Belongs to someone else with same/similar name. 

XXXX XXXX DC Account XXXX XXXX XXXX on Experian and Equifax. Date range : XXXX to XXXX. 

Status : Charge-off. Not mine. No authorization. Belongs to someone else with same/similar name. 

XXXX Account # XXXX XXXX only on Experian. Date range : XXXX to XXXX. 

Status : Charge-off. Not mine. No authorization. Belongs to someone else with same/similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Relay Financial (US), Corp.
State: IL

Complaint narrative:
I was selling my sofa on XXXX XXXX and was reached out to by a person named XXXX XXXX. She said she sent me a XXXX payment of {$600.00} ( the amount I listed ). I received an email then from XXXX, which claimed the following : You just received {$600.00} USD via XXXX business account deposited from your buyer which has been approved. But your account seems not to be a business account so therefore this payment can not be deposited into your account. 
What am I supposed to do? 
CONTACT CUSTOMER SERVICE NUMBER XXXX ( XXXX ) XXXX When I called the number, they said they needed to verify my account. 
The way I would do it is to send money to the company they listed. 

I immediately reached out after falsely sending {$10000.00} to the account listed below : Recipient Bank Name : XXXX XXXX  XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : United States of America XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Zip Code/Route : XXXX Recipient Name on Account : XXXX XXXX XXXX XXXX Recipient Bank Routing Number : XXXX Recipient Account Number : XXXX The bank said they reached out to their fraud protection department and will freeze the fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have a debt that I owe to my previous apartment. I am aware of the debt, but have been unable to resolve it due to financial circumstances. 
The debt was handed over to Hunter Warfield. I received a call from them on XXXX XXXX from them but I did not answer as I did not recognize the number. A few moments later I received a call from a friend alerting me of the debt ( with specifics of the debt as well as who I owed the debt to ). That friend told me the person who contacted her was XXXX and instructed her to to have me reach out at ( XXXX ) XXXX ; XXXX. I reached out to them to speak with them on the matter and come up with a solution to resolve the debt. 
On XX/XX/year> I missed a call from them as I was at work and unable to answer. They in turn contacted this same friend again instructing her to instruct me to call them at XXXX ( XXXX ) XXXX. 
I understand with this process that a debt collector may reach out to third party sources in order to get in contact with me, but however it is illegal to share the information with specifics including who the debt is to as well as what the debt is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXXXXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} MIDLANDCRE Account Number : XXXX Date : XX/XX/XXXX Balance : {$770.00} SANTANDER Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$240.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$29000.00} XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$260.00} Inquiries : XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue stress, and I urge you to address it immediately by correcting my 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: STATE EMPLOYEES CREDIT UNION
State: GA

Complaint narrative:
b'I applied for a mortgage deferment due to loosing my job immediately after closing. State Employees Credit Union was aware of me losing my job. I was approved for  a six-month forbearance and mailed my deferment payment on XXXX XXXX XXXX. The tracking number for that payment is XXXX XXXX XXXX XXXX XXXX XXXX. \n  As of now, I havent seen it posted to my account. Since it wasnt showing up, I went ahead and paid my XXXX mortgage online to stay on track.  Im worried about how its affecting my account. Can you help me find out what happened with my deferment payment? If its been received, could you please update my account?'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX Account Number : XXXX Date : XX/XX/year> Balance : {$790.00} XXXX Account Number : XXXX Date : XX/XX/year> Balance : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts listed on my credit report with the three major credit bureaus : Experian ( EX ) These accounts contain discrepancies and inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ). I am requesting that these items be reviewed and corrected accordingly. Please find the details of my disputes separated by each bureau below. 

Charged Off Accounts Account : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Inquiries 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 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am filing a complaint against Early Warning Services ( EWS ) for reporting incorrect, unauthorized, and unvalidated bank account information on my consumer report. My file contains multiple fraudulent accounts, inaccurate personal identifiers, and contribution entries tied to banks I have never opened accounts with. Several accounts are connected to an incorrect drivers license number, which is not mine, indicating identity theft or negligent data reporting. 

Despite these clear discrepancies, EWS continues to report the information without proper verification, violating the FCRA requirement to ensure maximum possible accuracy and to conduct a reasonable reinvestigation. I am requesting that EWS immediately investigate, remove all unverifiable and unauthorized accounts, correct my personal information, and provide an updated consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I tried to open an online checking account on the PNC bank website but it was rejected. I reached out and asked. They told me I should call the third party consumer company. But I know the problem. PNC bank is only let XXXX can open online accounts. I am a XXXX now. But I have had a previous profile when I was a greencard holder about 5 years ago. I believe PNC bank didn't update their information. So, I want to file a complaint because PNC bank is discriminated me as a XXXX citizen. They have old information and they don't care about fixing the problem. I have no other issues. I have no debt, no mortgage, own a house, have cash in the bank and also I have several bank accounts. I can open online bank account with other banks but only PNC bank is discriminated me. Please take an action. Thank you

Company response to consumer: Closed with explanation