vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
Dear XXXX XXXX : XX/XX/year> This letter formally responds to the WELTMAN , WEINBERG & REIS CO. , L.P.A . ( WW & R ) submission dated XX/XX/year>, received XX/XX/year>, regarding the above-referenced CFPB complaint and related civil action. The WW & R response remains inadequate and fails to provide the required documentation and point-by-point substantiation, including : Verification of the alleged debt, including an unbroken chain-of-title for all receivables ; XXXX XXXX board meeting minutes, delegation of authority, or Power of Attorney authorizing Weltman, Weinberg & Reis Co., LPA to act in this specific account matter XXXX in the absence of which, no legal standing exists to pursue any collection or legal action on behalf of XXXX XXXXXXXX, XXXX. ) ; and Responses addressing the material defects concerning securitization failures, defective asset transfers, accounting misclassification, and dual treatment of charged-off receivables. 

Key Deficiencies Noted : The securitization chain from XXXX XXXXXXXX to the Trust exhibits structural defects at every stage, failing the XXXX XXXX / XXXX XXXX true sale test. Retention of servicing rights and post-transfer control constitutes a breach of isolation requirements. 
Receivables previously written off with Net Operating Loss deductions can not lawfully be re-characterized as performing collateral without constituting dual treatment and fraudulent conveyance. 
Pooling and Servicing Agreements fail to meet UCC 3-203, 9-203, and 9-308 perfection standards, rendering transferred receivables void ab-initio. 
Accounting practices misclassify charged-off receivables as anticipated cash flows, suppress performance metrics, and circumvent transparency requirements, exposing investors and obligors to systemic risk. 
Lack of CUSIP- and DTC-linked chain-of-title documentation prevents verification of lawful ownership and holder-in-due-course status. 
Demand : WW & R is hereby required to provide a substantive, point-by-point response and all requested documentation within fifteen ( XXXX ) business days of receipt. Failure to comply will result in notification to the CFPB, assertion of all available legal remedies, and potential sanctions under Michigan and federal law. 

This letter is submitted for the record to both Weltman, Weinberg & Reis Co., LPA and the Consumer Financial Protection Bureau ( CFPB ), thereby establishing formal notice of non-compliance and pending enforcement actions. 

Enclosures : ( XXXX ) Original CFPB Complaint ID XXXX ; and ( XXXX ) All Attachments. 

the race is not to the swift, nor the battle to the strong Very truly yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DEPT OF EDUCATION/XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ DEPT OF EDUCATIONXXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ DEPT OF EDUCATIONXXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX * XXXX * * ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
What happened? 

In XX/XX/XXXX, my FHA mortgage was approved for a XXXX Partial Claim by Wells Fargo XXXX However, Wells Fargo later removed and denied the assistance without explanation, despite my compliance. This error was later acknowledged when Wells Fargo issued a remediation check for {$27000.00} ( dated XX/XX/XXXX ), but the bank refused to explain how the figure was calculated. 

In XXXX, I attempted to comply with XXXX XXXX instructions : XX/XX/XXXX : My son, holding Power of Attorney, attempted to make an in-branch trial plan payment. The branch refused to accept it, stating they could not locate the loan number. This caused a trial plan default. 

XX/XX/XXXX : I again attempted to comply but was blocked due to Wells Fargos servicing errors. 

During this period, Wells Fargo sent a Removal Letter ( XX/XX/XXXX ) ending assistance, despite the FHA Partial Claim approval. 

As a direct result of these errors and refusals : I fell behind on my mortgage, XXXX dues, and other bills, triggering foreclosure threats and a near-loss of my home. 

My car was repossessed ( XX/XX/XXXX ). 

My credit report shows severe delinquencies and damage ( XXXX XXXXXX/XX/XXXX ). 

I was forced to withdraw retirement savings, apply for XXXX benefits, and pursue VA XXXX  compensation due to the financial harm. 

My XXXX XXXX, leading to XXXX XXXX  and XXXX in XXXX. 

Despite repeated requests, Wells Fargo has refused to provide a full explanation of why the FHA Partial Claim was denied, why payments were rejected, and how remediation was calculated. Their Executive Office stated they have no authority and limited scope. 

This is a servicing failure under FHA loss mitigation rules and has caused long-term financial and personal harm.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I received a voicemail on XX/XX/XXXX on behalf of XXXX XXXX from who appears to be from XXXX XXXX court house advising they I have been notified of a summons and failure to respond will result in a lien in my property and theyre adding {$5000.00} to the time barred debt amount. I called the number and they said the debt is from XXXX and they said the call was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
On XX/XX/year> I was a victim of fraud I received a report on my credit file which is fraud from sunrise credit service the original service is for XXXX XXXX XXXX this is the second time this year they have done fraud on my credit. First time was XX/XX/year>. The XXXX is for {$1100.00}. And the account was opened XX/XX/year> Account number is XXXX. I filed a dispute with experian XXXX and they said it was checked out which makes absolutely no sense because they never ran a credit check because my credit has been. Frozen for over XXXX  years and I have never provided any identification what so ever to approve this account at all. Nor have I ever been to XXXX, ny. I am requesting for this fraud account to be immediately removed from my account as was the other same fraudulent account removed. I am also asking for XXXX XXXX XXXX to provide better fraud services in there company this is the second time they have been able to use my information without any prof or id or anything. So my complaint is with experian for not doing proper investigation with my information also with XXXX XXXX XXXX and sunrise credit service for damaging my credit score.

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 2025-08-20 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-08-20 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: GA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XX/XX/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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct and measurable harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. 

The ongoing presence of these unauthorized, and potentially fraudulent, entries is highly concerning and raises serious questions of identity theft. This unresolved issue is causing me continued financial and emotional harm.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Information Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Experian Information Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Account, Unauthorized Inquiries, and Incorrect Address Dear Experian, I am writing to dispute inaccurate and unauthorized information that appears on my credit file. This letter is submitted in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, and requests immediate reinvestigation and deletion of the following items : 1. Inaccurate Account Reporting : Creditor : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Closed Reported Balance : {$530.00} Reported Limit : {$500.00} Reported Late Payment : XX/XX/XXXX This account is inaccurately reported. The balance exceeds the credit limit, the utilization is incorrect given the closed status, and the late payment is not verifiable. Under FCRA and Metro 2 standards, this account must either be corrected immediately or deleted from my credit file.

2. Fraudulent/Unauthorized Inquiries : The following inquiries were not authorized by me and must be removed immediately : - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/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 XXXX XXXX XXXXXX/XX/XXXX These inquiries are fraudulent and damaging to my credit profile. As they were not authorized, they must be deleted immediately under the FCRA ( 15 U.S.C. 1681b ) which requires consumer consent for inquiries.

3. Incorrect Address Reporting : The following address does not belong to me and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This address is inaccurate and unrelated to my personal history. Please delete it from my file immediately, as it may cause confusion and link me to accounts that do not belong to me.

Requested Action : - Delete the XXXX XXXX account due to inaccuracies, or correct all errors immediately. 
- Delete all unauthorized inquiries listed above from my credit file. 
- Delete the incorrect address from my personal information section. 
Please provide me with written confirmation of the results of your reinvestigation within 30 days as required by law. If you fail to correct or delete the disputed items, I will exercise my rights to file complaints with the CFPB and take further legal action. 
Sincerely, 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 2025-08-20 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: TX

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
What happened : I closed my Truist account by phone in XX/XX/year>. The account had a remaining balance of about {$18000.00}. 

A Truist representative told me about a check for the balance would be mailed. At no time was I told about a 90-day waiting period if the check was lost.

I never received the check. When I called Truist, I was told I must sign a Declaration of Loss at the brunch and then wait 90 days before a replacement check could be issued. I live in XXXX XXXX and i don't have brunch locations here at all. The nearest Truist brunch in XXXX hours driving. I am not able to visit brunch! 

This policy was not disclosed at account closure, and I was not given any choice to receive my funds by safer means ( such as wire transfer or cashiers check in-branch ). 

Why this is a problem : {$18000.00} is a large sum, and I am unable to access my own money for three months.

Truist failed to disclose this important condition at the time of closure.

I believe this is unfair treatment and poor disclosure of critical account terms.

What I want : Expedited reissue of my funds if possible, or at least a guarantee that the replacement will be sent securely ( wire transfer or tracked cashiers check ).

An explanation why I was not informed of the 90-day rule when closing my 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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I got a call the other day from what I thought was a Wells Fargo employee but it was a scammer. I didnt have a good feeling about it so I called my bank this morning to confirm I spoke with one of there employees and it wasnt one of them

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