vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> To : XXXX Bank Equifax Information Services, XXXX Subject : Cease and Desist Communication Notice Pursuant to 15 U.S.C. 1692c ( c ) Account XXXX. : XXXX To Whom It May Concern, This letter serves as my formal cease and desist request under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am instructing XXXX XXXX and the consumer reporting agencies listed above ( XXXX, Equifax, and XXXX  ) to immediately cease all communication with me regarding the above-referenced account. 

Under federal law, once this written notice has been received, you are prohibited from contacting me further about this matter, except to : XXXX. Inform me that your collection or reporting efforts are being terminated ; or XXXX. Notify me that specific legal remedies may be pursued.

Any communication beyond these limited exceptions will constitute a violation of federal law. 

Additionally, I request that the credit reporting agencies verify the accuracy of any information being furnished by XXXXXXXX XXXX  and cease the reporting or re-reporting of any unverifiable or disputed account information associated with this account. 

Please provide written confirmation that you have received this notice and that you will comply fully with my request in accordance with the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX Account XXXX. : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been making purchases on my Wells Fargo Debit Card. It takes the money out of my account and goes into pending status. After the charge stops pending, its then posted to my account and Wells Fargo then charges my card again, which is now making my student card go in to the negative. This is unfair and I am being robbed.

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 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Regional Management Corporation
State: CA

Complaint narrative:
After submitting all proof of my job loss and insurance coverage, the insurance company approved and issued payment directly to Regional Finance to cover my loan. Despite this, my loan XXXX, XXXX and the company have done nothing to stop the repeated automated calls, this borderline harassment I continue to receive unnecessary and harassing phone calls even though my payment has been handled through the insurance plan. This situation shows poor account management and a failure to update their system after receiving payment confirmation, causing unnecessary stress and wasted time on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX Subject : Identity Theft Report Request for Removal of Fraudulent Accounts Dear Sir or Madam, I am writing to formally notify you that I am a victim of identity theft. I recently discovered several accounts on my credit report that I did not open or authorize. I believe my personal information was compromised in the XXXX data breach, and as a result, it has been used without my consent to open fraudulent accounts. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal and blocking of all accounts and inquiries that are the result of identity theft. These accounts are not mine, and I have not received any products, services, or benefit from them. 

Please conduct an investigation and remove any and all information resulting from identity theft from my credit file. Additionally, I am requesting a copy of my credit report with these items corrected and confirmation that the disputed items have been removed. 

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  Copy of my government-issued ID * Proof of current address ( utility bill or lease ) * FTC Affidavit * A list of the fraudulent accounts ( attached ) I also request a fraud alert be placed on my credit file. You may contact me directly at the number or email above if you need further information. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these fraudulent accounts have been removed and that my file has been updated accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I mailed a written dispute to TransUnion regarding inaccurate reporting of a XXXX XXXX Bank account XXXX My letter included all required identifying details and supporting documentation. 

On XX/XX/year>, I called TransUnion and spoke with XXXX at XXXX PM PT and Supervisor XXXX at XXXXXXXX XXXX XXXX Both confirmed that my letter had been received, but no reinvestigation had been opened. I was told that TransUnions banking team determined I was not the sender, which is false. No explanation was provided, and neither representative could tell me what information was supposedly missing or how to correct the issue. 

TransUnion refused to process my verified dispute and failed to provide any notice or investigation results. This violates the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) ( failure to reinvestigate ) and 607 ( b ) ( failure to maintain maximum possible accuracy ). 

Both Experian and Equifax accepted the same dispute documentation without issue. TransUnion is the only bureau that ignored my valid dispute. I have since re-mailed the dispute on XX/XX/year>, titled Second Notice Verified Identity & Request for Reinvestigation, and included reference to CFPB Complaint ID XXXX filed against XXXX Bank XXXX 

I am requesting that TransUnion conduct a proper reinvestigation and provide written confirmation of the results and method of verification.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: IA

Complaint narrative:
I am having an issue getting my Early Warning Services, XXXX XXXX and XXXX annual consumer report. I want Early Warning Services, XXXX XXXX and XXXX to mail me a complete copy of my annual consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am writing to formally dispute the recent reduction of my credit limit on my Home Depot Credit Card account and to express concern regarding an unauthorized change to my account settings that directly contributed to a payment being marked late. 

I have been a long-standing and responsible customer of Citibank, and I maintain an excellent credit history across all of my credit accounts. I consistently make on-time payments and routinely pay more than the minimum due. In XX/XX/year>, I made a purchase of {$1200.00} on my Home Depot Credit Card. I received my XXXX paper statement and submitted an on-time payment via phone on XX/XX/year>. 

However, I did not receive a statement for XXXX, either by mail or electronically. On XX/XX/XXXX, I became concerned and signed up for online account access to investigate. At that time, I discovered that my account had been changed to paperless delivery without my knowledge or authorization, and I had not received any notification from Citibank informing me of this change. Additionally, I did not receive the usual email reminder that my payment was duesomething I rely on and typically receive consistently. I am not technology savy and I rely upon that paper statement. 

Upon discovering this, I immediately made my payment via automated phone on XX/XX/year>. That payment posted on XX/XX/XXXX, only five days after the due date. 

I received a letter via US Mail on XX/XX/year>, informing me that my credit limit had been reduced from {$12000.00} to {$1100.00} due to " delinquency. '' I contacted Citibank immediately but was told the only course of action was to submit a request for a credit limit increase. That request was denied, though it has since been submitted for supervisor review. I was advised that I may reapply in 30 days. Citibank did refund the late fee, which I appreciated and took as recognition that the delay was caused by factors outside my control. 

This limit reduction is not only disproportionate to the situation but also unjust. The payment delay resulted directly from Citibanks unauthorized change to my statement delivery preferences and the lack of any notification. As a result of the reduced limit and the current balance of {$1100.00}, my utilization is now showing at 100 %, which will have a significant negative impact on my credit scoredespite my long-standing and responsible credit behavior. 

I appreciate your immediate attention to this matter and hope that Citibank will take into account the full context and my exemplary account history when reviewing this request. I am available to provide any further documentation or clarification if needed.

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I made two payments through my Wells Fargo account using XXXX one for {$400.00} and another for {$200.00} to a person who claimed to rent an apartment. Shortly after sending the money, the person disappeared and stopped responding. It was clearly a rental scam, and I never received the apartment.

I reported this to Wells Fargo and filed two claims ( one for {$400.00} and one for {$200.00} ). A few days later, I received two denial letters from Wells Fargo dated XX/XX/year>, stating that the transactions were completed as requested and that no error occurred.

These transactions were part of a scam, and I am requesting that Wells Fargo review this case again and refund my total of {$600.00}, as I was a victim of fraud. I also filed a police report with the XXXX Police Department and submitted a fraud complaint with the FBIs Internet Crime Complaint Center ( IC3 ) regarding this incident.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To : XXXXXXXX XXXX  TransUnion LLC Subject : Cease and Desist Communication Notice Pursuant to 15 U.S.C. XXXX ( c ) Account XXXX. : XXXX To Whom It May Concern, This letter serves as my formal cease and desist request under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am instructing XXXX Bank and the consumer reporting agencies listed above ( XXXX XXXX and Experian ) to immediately cease all communication with me regarding the above-referenced account. 

Under federal law, once this written notice has been received, you are prohibited from contacting me further about this matter, except to : XXXX. Inform me that your collection or reporting efforts are being terminated ; or XXXX. Notify me that specific legal remedies may be pursued. 

Any communication beyond these limited exceptions will constitute a violation of federal law. 

Additionally, I request that the credit reporting agencies verify the accuracy of any information being furnished by XXXX Bank and cease the reporting or re-reporting of any unverifiable or disputed account information associated with this account. 

Please provide written confirmation that you have received this notice and that you will comply fully with my request in accordance with the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX Account 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 2025-10-16 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding numerous inaccuracies on my credit report, which are negatively affecting my creditworthiness. Despite my attempts to address these issues directly with the reporting institutions, they remain unresolved. 

The following items are incorrect and must be investigated immediately : Incorrect Addresses : XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX WAY XXXX XXXX, XXXX XXXX, CA XXXX Incorrect or Unverified Account Reporting : MISSION FCU XXXX * * * High Balance : {$5100.00} Date Opened : XX/XX/XXXX Reported Late Payment CAPITAL XXXX XXXX * * * High Balance : {$2600.00} Date Opened : XX/XX/XXXX Charge Off XXXX FCU XXXX * * * High Balance : {$8400.00} Date Opened : XX/XX/XXXX Reported Late Payment WFBNA CARD XXXX * * High Balance : {$8400.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX * * * High Balance : {$29000.00} Date Opened : XX/XX/XXXX Reported Late Payment XXXX CRED XXXX * * * High Balance : {$2900.00} Date Opened : XX/XX/XXXX Collection FCO XXXX * High Balance : {$190.00} Date Opened : XX/XX/XXXX Collection Unauthorized or Questionable Inquiries : CAPITAL XXXX AUTO FIN XX/XX/XXXX MISSION FEDERAL CR UNI XX/XX/XXXX ALLY FINANCIAL C/O GMA XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These errors XXXX causing me financial harm and are in violation of the Fair Credit Reporting Act ( FCRA ). I request the CFPB to investigate these discrepancies thoroughly, ensure all inaccurate information is corrected or removed immediately, and hold the responsible institutions accountable for their failure to maintain accurate records. 

Please confirm receipt of this complaint and provide me with updates regarding your investigation. I am attaching all relevant documentation to support my claims.

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 2025-10-16 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: NV

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a XXXX XXXX XXXX XXXX, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccuracies on my credit report that are negatively impacting my creditworthiness. Despite my efforts to resolve these issues with the reporting agencies and creditors, the errors persist. I request your immediate assistance in investigating and correcting the following inaccuracies : Incorrect Addresses : XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX, XXXX, TN XXXX These addresses are not associated with me and should not appear on my credit file. 

Inaccurate Account Information ( Late Payments ) : ATLCAPBKSELF XXXX * *, Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} reported late payment. 

ATLCAPBKSELF XXXX * *, Date Opened : XX/XX/XXXX, XXXX XXXX : {$0.00} reported late payment. 

SELF / LEAD XXXX * * *, Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} reported late payment. 
These accounts are accurately paid and/or have a XXXX balance ; reporting them as late payments is false and misleading. 

Bankruptcy : XXXX Bankruptcy XXXX Reference # XXXX, Filed/Reported : XX/XX/XXXX The bankruptcy information XXXX also be inaccurately reported or outdated. 

Inquiries : CAPITAL XXXX XX/XX/XXXX SYNCB/AMAZON XX/XX/XXXX XXXX inquiries require verification to ensure they are authorized and correctly reflected. 

These errors constitute violations of the Fair Credit Reporting Act ( FCRA ), as they misrepresent my credit history and adversely affect my XXXX XXXX. I request that the CFPB facilitate a thorough investigation, ensure corrections are made immediately, and that all inaccurate information be removed from my XXXX XXXX 

Please provide written confirmation once these corrections are completed. I also request that any reporting agency that contributed to these inaccuracies be required to confirm in writing that they have corrected their 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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Self Financial Inc.
State: GA

Complaint narrative:
CFPB Complaint Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN ( Last XXXX ) : XXXX Date of Birth : [ Insert DOB ] Phone : [ Insert Phone Number ] Date : [ Insert Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against XXXX  and XXXX  for Inaccurate Credit Reporting Self Financial Account Dear CFPB, I am filing this complaint against TransUnion and Experian for continuing to report inaccurate information regarding my Self Financial ( Self Lender ) account, despite my previous disputes. 
The account is being reported inaccurately in the following ways : - It shows XXXX different charge-off dates for the same account. 
- It also shows a late payment after the charge-off date, which is incorrect because once an account is charged off, no additional payments should be reported. 
I have disputed this account multiple times with both bureaus and requested verification of their accuracy process under the Fair Credit Reporting Act ( FCRA ). However, the information continues to be reported incorrectly, and I have not received proper documentation verifying the accuracy of the data being furnished. 
This inaccurate reporting is negatively impacting my credit profile. I am therefore requesting the CFPBs assistance in having this matter investigated and for both XXXX  and XXXX  to either : XXXX. Provide documented proof verifying the accuracy of the reported charge-off and late payment dates, or XXXX. Delete the account entirely if they can not verify it according to FCRA 611. 
Enclosed are copies of my previous dispute letters and evidence showing the inconsistent reporting. 
Thank you for your time and assistance in this matter. Please notify me when a response has been received from both bureaus. 
Sincerely, XXXX XXXX XXXX ( Last 4 ) : XXXX DOB : [ XXXX

Company response to consumer: Closed with explanation