vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has knowingly escalated the damage in my verified fraud case, and Im demanding urgent intervention. 

I reported {$12000.00} in unauthorized transactions on my account and submitted a detailed XXXX police report. Despite this, Wells Fargo refused to issue provisional credits as required under Regulation E. Instead of helping, they blocked my account access, closed the account, and intentionally forced it into a negative balance, triggering overdraft fees, late fees, and additional financial penalties. 

This wasnt just neglect it was a coordinated attempt to bury a fraud victim under fees while dodging liability. 

I have now suffered severe financial hardship, loss of access to banking, and emotional distress from months of being ignored, misled, and punished by the very institution responsible for protecting my funds. This situation has impacted my credit, my ability to pay bills, and my mental health. 

Wells Fargo has shown a pattern of abuse and regulatory violations. I demand full restitution, including reversal of fraudulent charges, all related fees, and immediate enforcement action.

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 2025-07-22 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: WI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: WI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is submitted with full intent and accuracy. My credit report contains erroneous information that fails to meet the legal standard of maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ). These reporting errors are inflicting substantial damage on my credit standing and creating undue financial and emotional hardship.

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 2025-07-22 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
XXXX XXXX XXXX SS #, XX/XX/XXXX DOB : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion Experian XXXX and Equifax credit reporting agency . I request that you ( CFPB ) 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. 


In accordance with the Fair Credit Reporting act, inaccurate collections such as a auto loan from XXXX Opened mayXX/XX/XXXX Closed account Collections : XXXX Amount {$2300.00} Opened XXXX XXXX, XXXX Collections : XXXX XXXX XXXX Amount : {$140.00} Opened XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX Amount {$1800.00} Opened : XX/XX/XXXX Collections : XXXX XXXX Amount {$300.00} Opened XXXX. XXXX, XXXX Hard inquires : FACTUAL DATA Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Automotive Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX- Finance/Personal Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal XXXX Inquiry : 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 Finance/Personal All the accounts are falsely on my Experian, Trans Union and Equifax consumer credit profile. I would like these accounts deleted with in 4 days of receiving this complaint. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-07-22 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: OH

Complaint narrative:
XXXX XXXX XXXX SS #, XX/XX/XXXX DOB : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion Experian XXXX and Equifax credit reporting agency . I request that you ( CFPB ) 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. 


In accordance with the Fair Credit Reporting act, inaccurate collections such as a auto loan from XXXX Opened mayXX/XX/XXXX Closed account Collections : XXXX Amount {$2300.00} Opened XXXX XXXX, XXXX Collections : XXXX XXXX XXXX Amount : {$140.00} Opened XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX Amount {$1800.00} Opened : XX/XX/XXXX Collections : XXXX XXXX Amount {$300.00} Opened XXXX. XXXX, XXXX Hard inquires : FACTUAL DATA Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Automotive Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX- Finance/Personal Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal XXXX Inquiry : 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 Finance/Personal All the accounts are falsely on my Experian, Trans Union and Equifax consumer credit profile. I would like these accounts deleted with in 4 days of receiving this complaint. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My name is XXXX XXXX I have been a Bank of America customer for over 14 years. IXXXX XXXX XXXX XXXX XXXX XXXX thart has been laid off for about 4 months now I have been looking for a job until I get called back to work. So while looking online for potential job openings I ran across a add stating that they were doing an add campaign to promote there product which is called XXXX the intention was to have me wrap my vehicle with there logo for XXXX weeks to be paid {$700.00XXXX XXXX  a week for those XXXX weeks so I signed up for the program. I received a text telling me I was excepted for the promotion and that I would receive instructions on how to move forward I got an email telling me that I would be receiving a check in the mail for {$3900.00} and I was to keep {$700.00} and the rest would go to the company that will wrap my truck. When I received the package i opened it and ther was a check for the amount that they said it would be, me at the time being excited I looked at the check and I thought it was good so I immediately deposited the check they asked for confirmation that the check had been deposited so I sent a screenshot showing it had XXXX deposited. The account I deposited the check in had a balance of {$2.00} and it showed on the screen shot I told them the bank has to hold the check to make sure its good and I didnt get a response thats when I got suspicious and started doing research on if this was a scam which I should have done from the beginning I found out that this was a scam so i immediately contacted Bank Of America and let them know the whole situation with the fraudulent check and that I didnt want to be punished because I did t report the check. They told me that I would have to let the process happen and that I didnt have anything to worry about, well I was told today that my account has been shut down and when I asked for a reason they told me just because they didnt want to do business with me anymore. In 14 almost 15 years I have been an upstanding customer and because I almost got scammed they shut my account down.

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 2025-07-22 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:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. 

I have no knowledge or recollection of this account.

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 2025-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing is my servicer and New owner of the mortgage loan. 

XXXX XXXX did not record the transfer of ownership and did not record the deed of trust. 

This prevents me from changing to a lower interest HELOC costing me hundreds of dollars a month. 

Spoke to a representative- very rude, did not help me out.

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 2025-07-22 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted multiple disputes to Equifax regarding inaccurate, unverifiable, and re-aged tradelines. Equifax altered account statuses post-dispute without conducting proper investigations. Some accounts were falsely linked to a bankruptcy that was never verified by any court or agency. Other accounts were re-aged to appear more recent than they are, violating XXXX XXXX and FCRA 1681i ( a ) ( 5 ). Equifax has not provided the Method of Verification ( MOV ) as required by 1681i ( a ) ( 6 ) ( B ) ( iii ). I demand the deletion of all unverifiable accounts and documentation of all verification methods used. Continued misreporting has caused credit denials, inflated loan terms, and reputational harm. A full legal complaint is attached with specific account-by-account violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 did not open or authorize these accounts and suspect fraudulent behavior. I request their immediate deletion from my report and a proper investigation. Enclosed is evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
The inquiries listed were not authorized by me and may indicate fraud. Please take urgent steps to address and correct this issue. Enclosed you will find documentation.

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 2025-07-22 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: FL

Complaint narrative:
I am disputing the continued presence of a XXXX XXXX account on my Equifax credit report. Although the account is closed and reports a {$0.00} balance, it still reflects derogatory history that negatively impacts my credit score.

Under FCRA 611 and 1681i ( a ) ( 5 ) ( A ), this information must be removed if it is outdated, unverifiable, or misleading. I am not disputing the existence of the account, but the continued publication of negative history that is no longer accurate or relevant. 

I respectfully request CFPB assistance to ensure that Equifax fully deletes this account as permitted under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau to report multiple inaccuracies on my credit report that are severely affecting my credit standing. These include incorrect addresses, inaccurate account information, and unauthorized hard inquiries. I have previously disputed these errors with the credit reporting agencies, but they have failed to perform a reasonable investigation or correct the disputed items, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate and take appropriate enforcement action against the furnishers and credit bureaus involved for failing to comply with their legal obligations under federal law. 
Disputed Account # XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/year>XXXX  Balance Owed : {$0.00} Late Payment * * Law Issue : FCRA 1681e ( b ) Maximum possible accuracy not maintained Story : A late payment is reported even though the account was paid in full and closed. This inconsistency suggests a data processing error. The derogatory mark is unwarranted and must be removed to ensure the accuracy of my credit file. 

Due to the continued reporting of inaccurate and unverifiable information on my credit file, I am requesting that the CFPB intervene and hold the credit reporting agencies and data furnishers accountable. I am seeking full deletion or correction of the disputed items listed above, along with written confirmation of all actions taken. I appreciate the CFPB 's role in protecting consumer rights and request your immediate assistance in resolving these violations of the Fair Credit Reporting Act.

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 2025-07-22 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: NY

Complaint narrative:
I'm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX XXXX and Equifax. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with non-monetary relief