vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau CFPB Case Number : XXXX & XXXX Subject : Formal Dispute of Wells Fargo Account Ending in XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This is a formal and urgent dispute regarding the inaccurate and unlawful reporting and handling of my credit account by Wells Fargo ( Account ending in XXXX ). I reject Wells Fargo 's response dated XX/XX/year>, and demand that the CFPB investigate their continued violations of federal law. 
Wells Fargo claims that multiple returned payments and late fees justify negative reporting. However, the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ) mandates that a furnisher of information must conduct a reasonable investigation upon notice of dispute. Repeating a previously inadequate response does not satisfy the statutory standard for a reasonable investigation. Providing the same template letter with no new verification violates both the spirit and letter of the FCRA.

Moreover, they have not provided competent evidence ( e.g., ACH trace logs or direct confirmations from the alleged funding bank ) to prove the claimed payment failures. Without verifiable documentation, this constitutes a factual inaccuracy and must be removed under FCRA 1681i ( a ) ( 5 ) ( A ).

Additionally, Wells Fargos continuing to report this account as a charge-off while claiming it remains collectible is misleading and deceptive, violating the FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 8 ). They can not simultaneously declare a debt as charged-off and also maintain ongoing collection without clearly disclosing the legal status of the obligation. This tactic is a deliberate effort to inflate my debt profile, which is unfair and abusive.

Furthermore, if they relied on automatic payments and system notifications, I demand proof that such notifications were sent and received, and that there was no system error. Under Regulation Z 12 CFR 1026.5 ( b ) ( 2 ) ( ii ), creditors must provide clear and conspicuous notice of billing errors and electronic communications, and must maintain a functional notification system, which is not substantiated in their vague response.

I demand immediate deletion of this account from all consumer reporting agencies ( XXXX, XXXX, and XXXX  ) as required under FCRA if the information can not be 100 % verified. Failure to do so constitutes willful noncompliance and subjects Wells Fargo to statutory and punitive damages.

I request the CFPB to reopen this investigation, compel Wells Fargo to comply with the law, and take enforcement action for their continued violations. Please confirm receipt and next steps. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has a XXXX XXXX monthly fee for their checkings account that can be avoided by meeting any of the following XXXX XXXX {$500.00} minimum daily balance - {$500.00} or more in total qualifying electronic deposits -Primary account owner is XXXX years old -Linked to a Wells Fargo XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( No longer available effective XX/XX/2025 ) -A qualifying monthly nXXXX XXXX direct deposit with the Wells Fargo XXXXXXXX XXXX XXXX  XXXX XXXX 

Our household has a qualifying electronic deposit every XXXX of the month that would normally exempt us from paying the monthly fee. The issue is that Wells Fargo sometimes runs cycles from the XXXX of a month to the XXXX of the next month meaning our qualifying deposit doesn't come in during the cycle resulting in the monthly fee being applied. We are not aware when this will happen as Wells Fargo does not provide us with the current fee period ending date. We are notified of the end date once the cycle has ended and the monthly fee has been charged. 

Their website states that " knowing your fee period end date will help you keep track of when you need to meet XXXX of the options available to avoid the fee ''. But again, they do not provide customers with this information, or at least have it very well hidden. We have looked everywhere on our online account summary and statements and have only found dates for previous cycles, but not the current one. It is impossible to know when the current cycle ends to take any necessary actions to avoid the monthly fee. 

A XXXX XXXX monthly fee XXXX not seem like much, but this is the second time it has happened to us and can only XXXX how many other people have gone through the same and XXXX not even be aware of it. Wells Fargo serves XXXX in XXXX households and can easily be charging {$10.00} from each customer every month without even giving them the opportunity to avoid the fee.

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 2025-07-29 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: CA

Complaint narrative:
I am insisting on the prompt deletion of the disputed items and immediate escalation of this matter to an TransUnion compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) and a request for intervention from congressional authorities. 
XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5300.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$370.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  XXXX  # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX XXXX was removed as it was proven to be fraud. Then they sold the account to Time Payment ( aka ) XXXX New Mexico Dear CFPB, In response to correspondence received on XX/XX/year> from XXXX XXXX, we understand the request to have the credit inquiry removed from the credit reporting agencies due to identity theft and the XXXX account being opened without his authorization. Our investigation determined that XXXX XXXX account with XXXX is indeed fraudulent and the account has been flagged. It is important that XXXX report all information accurately, for the integrity of the credit reporting system. If XXXX XXXX is still seeing the XXXX account reflecting on his credit report, he does have the ability to open a credit dispute with XXXX through the credit reporting agencies directly, at which time XXXX will review the account to ensure information is removed. Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Absolute Resolutions Corp.
State: TX

Complaint narrative:
XXXX XXXX was removed as it was proven to be fraud. Then they sold the account to Time Payment ( aka ) XXXX New Mexico Dear CFPB, In response to correspondence received on XX/XX/year> from XXXX XXXX, we understand the request to have the credit inquiry removed from the credit reporting agencies due to identity theft and the XXXX account being opened without his authorization. Our investigation determined that XXXX XXXX account with XXXX is indeed fraudulent and the account has been flagged. It is important that XXXX report all information accurately, for the integrity of the credit reporting system. If XXXX XXXX is still seeing the XXXX account reflecting on his credit report, he does have the ability to open a credit dispute with XXXX through the credit reporting agencies directly, at which time XXXX will review the account to ensure information is removed. Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, and their XXXX  agent XXXX XXXX for XXXX violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I formally disputed the reporting of this alleged debt with XXXX. Despite my dispute, XXXX XXXX verified the tradeline as accurate. This verification was patently false. Under FCRA XXXX ( b ), a furnisher must conduct a reasonable investigation when notified of a consumer dispute. In XXXX v. XXXX XXXX, XXXX, the XXXX XXXX confirmed that account-level documentation is required to constitute a proper investigation. XXXX has produced no such documentation, making verification legally impossible. 

Compounding the violations, XXXX XXXX purchased this account as part of a bulk portfolio of defaulted debt, meaning they did not receive the original account-level documentation. Further, XXXX XXXX XXXX  securitized this account and assigned it to a trust, which raises serious questions as to whether XXXX XXXX ever obtained legal ownership or the right to collect. 

On XX/XX/year>, I received a collection email from XXXX XXXX demanding payment on behalf of XXXX. This creates a chain-of-title conflict and raises the risk of double collection, in violation of FDCPA XXXX ( XXXX ) ( A ). It is materially misleading to represent XXXX as the rightful owner while a separate XXXX simultaneously attempts to collect. 

XXXX XXXX continued reporting and collection efforts without proper validation and documentation constitute willful noncompliance with the FCRA and FDCPA

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 2025-07-29 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: NC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, and their XXXX  agent XXXX XXXX for XXXX violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I formally disputed the reporting of this alleged debt with TransUnion. Despite my dispute, XXXX XXXX verified the tradeline as accurate. This verification was patently false. Under FCRA XXXX ( b ), a furnisher must conduct a reasonable investigation when notified of a consumer dispute. In XXXX v. XXXX XXXX, XXXX, the XXXX XXXX confirmed that account-level documentation is required to constitute a proper investigation. XXXX has produced no such documentation, making verification legally impossible. 

Compounding the violations, XXXX XXXX purchased this account as part of a bulk portfolio of defaulted debt, meaning they did not receive the original account-level documentation. Further, XXXX XXXX XXXX securitized this account and assigned it to a trust, which raises serious questions as to whether XXXX XXXX ever obtained legal ownership or the right to collect. 

On XX/XX/year>, I received a collection email from XXXX XXXX demanding payment on behalf of XXXX. This creates a chain-of-title conflict and raises the risk of double collection, in violation of FDCPA XXXX ( XXXX ) ( A ). It is materially misleading to represent XXXX as the rightful owner while a separate XXXX simultaneously attempts to collect. 

XXXX XXXX continued reporting and collection efforts without proper validation and documentation constitute willful noncompliance with the FCRA and FDCPA

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 2025-07-29 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous complaint regarding fraudulent inquiries in my credit file that I would like to be removed. I am formally requesting Experian and TransUnion Credit Bureaus to please remove the inquiries listed below. According to the law, you are required to remove the inquiries as listed in the Identity Theft Report. Kindly review the specified inquiries that I have provided for removal : 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 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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint regarding what I believe to be retaliatory behavior by XXXX a financial institution that partners with Synchrony Bank. 

After submitting a formal complaint on XX/XX/year>, COMPLAINT ID XXXX through the CFPB regarding an issue I experienced with this bank, I was shocked to discover that on XX/XX/year>, shortly thereafter, my account was banned and access was permanently revoked without any clear explanation or prior notice. 

There was no indication that my actions violated any terms or conditions, and the timing of the account closurecoming directly after my CFPB complaintstrongly suggests retaliation. This is deeply concerning, as consumers should not be punished for exercising their right to file a complaint through proper regulatory channels. They have denied my disputes without asking to investigate the issue and refuse me access to my account afterwards. 

This situation has caused me significant inconvenience, including disruption to financial services and credit access. I am requesting that the CFPB investigate this matter thoroughly, as such actions, if confirmed to be retaliatory, undermine consumer protections and discourage others from reporting legitimate concerns. 

Please let me know if any further documentation is required on my end to support this investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I am disputing a derogatory credit account reported by XXXX that I categorically do not recognize, authorize, nor have any verifiable knowledge of. Despite multiple formal requests demanding strict debt validationincluding original signed contracts, detailed payment histories, and proof of ownershipXXXX has failed to provide any legally sufficient documentation as mandated under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I submitted a comprehensive debt validation demand and escalated this dispute by filing an official complaint with the Consumer Financial Protection Bureau ( CFPB ). In response, XXXX provided incomplete, inadequate, and legally noncompliant documentation, falling dramatically short of their statutory obligations to verify and substantiate the alleged debt. 

XXXX continued furnishing of this unverified and disputed information constitutes a blatant violation of 15 U.S.C. 1681s-2 ( b ), which explicitly requires furnishers to conduct a reasonable investigation and cease reporting unverified debts when disputed by the consumer. Their failure to comply has resulted in ongoing, unjust damage to my credit reputation and financial well-being. 

Furthermore, I have exercised my rights by disputing this item with all relevant credit reporting agencies, yet the account remains erroneously reported, reflecting inaccurately on my credit profile. This willful disregard for federal law and consumer protections necessitates immediate regulatory intervention to enforce the removal of this account unless and until XXXX can produce irrefutable, verifiable documentation validating the debt. 

The burden of proof unequivocally lies with the furnishernot the consumerand until compliance is met, this inaccurate and misleading reporting must be rectified and expunged to prevent further harm. I respectfully request the CFPB to enforce corrective action swiftly to prevent further damage to my financial reputation

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 2025-07-29 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The presence of an eviction record on tenant screening reportsdespite its absence from my credit reportraises serious concerns regarding the accuracy and reliability of the data being reported. The glaring absence of concrete evidence to support the validity of this eviction, combined with the dissemination of unverified information to third-party screening agencies, represents a clear violation of the statutory requirements outlined in 15 U.S. Code 1681i ( 7 ). This lack of compliance with federal law is not only troubling but also deeply frustrating, especially considering the critical importance of adhering to legal obligations that protect consumers from harm caused by inaccurate reporting.

Therefore, I strongly advocate for the immediate removal of this eviction record in accordance with the specified regulations, unless verifiable, documented evidence is promptly provided to establish its authenticity. Any delay in resolving this issue further compounds the damage and underscores a troubling disregard for the regulatory standards and legal protections designed to ensure fairness, accuracy, and transparency in the handling of consumer data.

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 2025-07-29 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: NC

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. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief