vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo back in XX/XX/2025. 
I was a victim of a Scam. The travel operator I was working with ( XXXX XXXX XXXX ) had their email account hacked. The bank account information that was provided for the payment ( which was associated with a Wells Fargo account -- see Attachment for the name/account # /and additional context ) was by a scam actor who hacked their email account. 

The tour operator company XXXX XXXX XXXX XXXX ) let me know that other customers continue to receive emails requesting payments from this fraud actor, and they have sent a notice out to all of their customers informing them that they have been hacked ( see Attachment ). 

I informed Wells of the incident and let them know that XXXX of their Wells Fargo accounts was associated with a scam. It got escalated to the Wells Fargo XXXX XXXX, but for 3 months now they continue to spin me in circles and not provide satisfactory support/answers to my follow-ups. 

They would respond with items such as " Wells Fargo can not guarantee recovery of funds as we are at the mercy of the beneficiary/beneficiary bank who is not obligated to honor our request or even reply to our request '' -- I kept responding and reminding them that Wells themselves was indeed the beneficiary bank ( I sent the money from my Wells account to this recipient Wells account that is in some way associated with the scam and that should not have received the money ).

I do not believe the are following baseline XXXX  protocols and are not taking appropriate action. When I reached out, the funds were still available and I was told put on hold. However, now after them taking so long, they can't retrieve the funds, despite me providing all of the information and evidence. They are simply trying to explain to me tough luck that another Wells account gets to keep the {$6200.00} even though they should not have the money. 

They continuously put me to dead-end responses so I am needing the CPFB 's help.

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: 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: MD

Complaint narrative:
One day woke up and my account was closed without merit

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I received a {$250.00} payment on XX/XX/2025, into my PayPal account as part of the FTC v. XXXX XXXX settlement. Shortly after, my account was permanently limited and PayPal placed a 180-day hold on my funds.

This was a legitimate government-issued settlement payout not a business transaction, dispute, or anything fraudulent. I contacted PayPal, and they told me I cant access the money until the hold expires, with no review or appeal available.

I need access to this money now and am requesting your help to get PayPal to release my funds. Holding my money for 6 months without a clear reason is excessive and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: January Technologies, Inc
State: OH

Complaint narrative:
I received multiple unauthorized and unwanted text messages from a company identifying themselves as " XXXX, '' claiming to be a debt collector offering payment plans for a XXXX XXXX XXXX  XXXX. credit card balance. These text messages came from the shortcode XXXX, and I never provided my phone number to this company, nor did I give consent for them to contact me via XXXX 

Specifically : On Thursday, XX/XX/year>2025, they sent an unsolicited message. 

On Monday, XX/XX/scrub>, 2025, I replied clearly stating : Do not contact me. I am not paying you. 

Despite this, the company continued to send messages and has never mailed me any validation notice, as required by law. I do not recognize this company, nor do I have any verified contractual relationship with them. Their conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ).

Violations Cited : 15 U.S.C. 1692c ( a ) ( 1 ) Unauthorized communication at an inconvenient place or without consent.

15 U.S.C. 1692g ( a ) Failure to send required written validation notice within 5 days.

47 U.S.C. 227 TCPA violation : sending SMS messages without prior express written consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX Consumer ID : XXXX Date of Birth : XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Negative Bank Account Record. 

Bank : Bank of America ( Open Date : XX/XX/2021 ) Account # : XXXX Routing # : XXXX Bank : Bank Of America ( Open Date : XX/XX/2021 ) Account # : XXXX Routing # : XXXX Thank you for your assistance. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-06-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing a derogatory account listed under XXXX related to a vehicle I voluntarily surrendered in XX/XX/XXXX. After surrendering the vehicle, I relocated internationally and was under the impression that all responsibilities had been resolved. 

In XX/XX/XXXX, I was contacted by law enforcement and informed that the vehicle was still being operated in my name, using my old license plate, with no registration or insurance. This is despite the vehicle being out of my possession over a year ago. 

When I contacted XXXX, I was informed that the account had been transferred to a company named XXXX. I was never notified of this transfer, and XXXX has never contacted me with any verification of the debt, balance, or legal standing. 

Despite this, my credit report continues to show XXXX as the current creditor, which is inaccurate and misleading. I have no way to verify or dispute the debt with the correct party, as the ownership listed is outdated. 

Additionally, I have not been provided with any accounting of the vehicles resale value or how the alleged remaining balance was calculated. I dispute the accuracy of the reported balance and assert that I may owe nothing. This inaccurate reporting has exposed me to potential legal risk, damaged my credit, and denied me the ability to fairly resolve or challenge the 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 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing a derogatory account listed under XXXX related to a vehicle I voluntarily surrendered in XX/XX/XXXX. After surrendering the vehicle, I relocated internationally and was under the impression that all responsibilities had been resolved. 

In XX/XX/XXXX, I was contacted by law enforcement and informed that the vehicle was still being operated in my name, using my old license plate, with no registration or insurance. This is despite the vehicle being out of my possession over a year ago. 

When I contacted XXXX, I was informed that the account had been transferred to a company named XXXX. I was never notified of this transfer, and XXXX has never contacted me with any verification of the debt, balance, or legal standing. 

Despite this, my credit report continues to show XXXX as the current creditor, which is inaccurate and misleading. I have no way to verify or dispute the debt with the correct party, as the ownership listed is outdated. 

Additionally, I have not been provided with any accounting of the vehicles resale value or how the alleged remaining balance was calculated. I dispute the accuracy of the reported balance and assert that I may owe nothing. This inaccurate reporting has exposed me to potential legal risk, damaged my credit, and denied me the ability to fairly resolve or challenge the 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PENTAGON FEDERAL CREDIT UNION
State: UT

Complaint narrative:
In XXXX XXXX I paid off my loan through pentagon Federal Credit union. At this point it has been over a year since Ive changed addresses for all my mail and billing to be coming to my XXXX  address. I called after months of not receiving anything in the mail from my bank or the DMV I called PenFed and asked where things were as Ive been trying to sell the car and need the title now. They say it went to the XXXX DMV because they werent asked to re-title in the new state, that was my personal job to do. ( Never would think after changing all those address a red flag or a fraud flag would pop up on the account to get it re-titled and ask me but no it never happened. ) PenFed sends me a Lien satisfaction paper and say I can go to the DMV and use that to get a new title if yours never shows up Now XXXX XXXX leading into XX/XX/XXXX weekend I cant sell my car with this lien satisfaction and I never got my title from any DMV so I go to my DMV and they say they tell me they need the XXXX title to get me a new title and they cant do anything and tell me to talk to my bank they were the that should have sent out your title to be mailed by the DMV. I call PenFed explain the situation Im in because they sent my title to the wrong DMV and they say its out of our control we released the lien and the title to its owner and its the owners responsibility to figure it all out adding in these spiels about electronic title releases and blaming me for not telling them to re-title the car even though I already told them I moved and registered the car entirely in a new state.

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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXncorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on [ date ] and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four 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 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: IL

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 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 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: CA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
This debt collector contacted me via email. I was asked for a detailed list of debt validations. This company only sent some bills and did not send an original contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation