vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am filing this formal complaint against Wells Fargo Bank for systemic banking misconduct, policy misrepresentation, and negligence that has resulted in catastrophic financial loss and personal harm.

Wells Fargo failed to honor its publicly communicated 1-day grace period for ACH transactions. Despite receiving text and email alerts stating I had until the following day to cover incoming debits, the bank repeatedly returned payments on the same daycontrary to its own messaging and practice of over 10 years. 

As a direct result of these returned payments, I suffered : The * * permanent loss of a {$50000.00} life insurance policy * * covering my elderly grandmother, who is now uninsurable. 
The * * loss of a {$500000.00} life insurance policy * * on my husband, which can not be reinstated. 
Emotional and physical trauma, requiring medical treatment due to stress, XXXX XXXX, and sleep disruption.


The collapse of multiple utility and financial relationships, damaging my credit and credibility. The disruption of my small business operations due to instability caused by account failures. I attempted to resolve this with Wells Fargo through customer service and internal complaints, but I was repeatedly met with silence or deflection. I have maintained records of : Grace period policy messages Returned ACH transactions Insurance policy cancellations Medical documentation Communications with Wells Fargo The harm is ongoing, and I am pursuing legal action to seek restitution and punitive damages. However, I am also filing with your agency to request investigation, regulatory review, and consumer protection oversight. Wells Fargos disregard for its own policies has devastated my life and caused irreparable damage to my family 's financial future and emotional wellbeing. Thank you for your attention and for helping ensure that no other consumer is treated this way.

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 2025-06-02 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
To Whom It May Concern, Subject : Request for Deletion of Derogatory Accounts from XXXX XXXX XXXX and Fair Collections & Outsourcing ( FCO ) Due to Housing Hardship I am writing to formally request the removal of two negative accounts currently being reported on my credit file, which are having a direct and harmful impact on my ability to secure safe and stable housing : XXXX XXXX XXXX [ XXXX ] Fair Collections & Outsourcing ( FCO ) [ XXXX ] These accounts have become serious barriers to my housing eligibility. Despite my efforts to resolve or dispute them, they continue to negatively affect my credit standing and disqualify me from rental opportunities that are essential to my well-being and stability. 

I am currently seeking housing and have been denied multiple times due to the presence of these accounts. In good faith, I am asking that these accounts be removed or suppressed from my credit report in order to allow me a fair opportunity at safe and affordable housing. 

This is a personal hardship request, and I respectfully ask for your consideration of the following : I am working diligently to improve my financial situation. 

These accounts are outdated, disputed, and/or do not reflect my current circumstances. 

Removal of these accounts will provide me with access to housing that is currently being withheld due to credit screening practices. 

Please consider this request under the XXXX of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which both allow for the correction or removal of information that is unfair, unverified, or no longer necessary for reporting. 

Enclosures : A copy of my credit report with the accounts highlighted Proof of identity ( ID and utility bill ) [ Optional : Any rental denial notices or hardship documentation ] I sincerely appreciate your time and consideration in this matter, and I hope you will assist in helping me move forward with the opportunity for secure housing. 

Sincerely, 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 2025-06-02 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am filing a complaint against Spring Oaks Capital for reporting two separate collection accounts on my credit reports that appear to be for the same debt. These tradelines contain conflicting information and appear duplicative, which materially misrepresents my credit profile. 

Details : - XXXX reports a collection for {$790.00} with an open date of XX/XX/year>. The original creditor is listed as Spring Oak Capital. 
- XXXX reports a collection for {$940.00} with an open date of XX/XX/year>. The original creditor is listed as XXXX XXXX Bank. 
- Both accounts are assigned the same account number ( ending in XXXX ), and both are associated with Spring Oaks Capital. 

Concerns : - Reporting two separate tradelines for XXXX alleged debt is deceptive and harmful. 
- The reported original creditors are inconsistent and unverifiable. 
- No documentation was provided in response to my disputesno contract, no ledger, and no chain of assignment. 
- Despite disputing, Spring Oaks Capital marked the accounts as verified without substantiation.

Legal Violations : - FCRA 1681e ( b ) : Failure to report accurate, complete, and non-misleading information.

- FCRA 1681s-2 ( b ) : Failure to properly investigate disputed data.

- FDCPA 1692e ( 8 ) : Misrepresentation regarding the nature and amount of the debt. 
- CFPB Circular XXXX : Prohibition against deceptive credit reporting and debt parking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Date Event Description XXXX XXXX XXXX issued the Notice of Servicing Transfer, officially transferring loan servicing to Fay Servicing. XXXX First contact with Fay Servicing to request confirmation of payoff amount. XXXX XXXX XXXX sent corrected payoff statement from Fay Servicing, dated XXXX. XXXX XXXX was paid off in full via wire transfer to Fay Servicing. XXXX Called XXXX to confirm payment was received. Noticed XXXX unauthorized deductions from my XXXX account. Fay could not explain. Initiated XXXX dispute and XXXX stop payment. They also informed me that XXXX XXXX failed to provide them with the full set of loan documents. XXXX Contacted XXXX XXXX ; representative XXXX said he would follow up with Fay regarding the disputed charge. XXXX Called Fay and requested a supervisor but was hung up on. Called XXXX XXXX ; representative XXXX confirmed loan balance was {$0.00} but said they could not assist with XXXX release since the loan was sold. XXXX Called Fay again and confirmed {$0.00} balance. XXXX stated XXXX would be released within XXXX business days. XXXX Escrow officially opened with scheduled closing on XXXX. XXXX Called Fay to follow up, but no progress. XXXX XXXX XXXX ( male ) said backend system was updated ; XXXX would close within XXXX days and be released next week. XXXX XXXX XXXX said file was still under review and would not close on Friday. Advised to call back Tuesday. Called XXXX XXXX; spoke to XXXX who was unsure if he could help. XXXX Over 21 days since loan payoff. XXXX still not released. With escrow closing on XX/XX/year> at risk, XXXX filed small claims lawsuit. XXXX Called Fay Servicing; spoke to rep XXXX, who said XXXX could close by Thursday. Sent follow-up email to XXXX XXXX and Fay Servicing-no response received. XXXX Called Fay again ; rep XXXX stated no progress had been made. Still no response to follow-up emails from either XXXX XXXX or Fay Servicing. This timeline outlines the Plaintiff 's diligent efforts to resolve the lien release issue prior to initiating legal action. It demonstrates repeated good faith attempts to communicate with both defendants, who failed to take timely action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3000.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00}

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 2025-06-02 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: FL

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : 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 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
Upon purchasing my vehicle in XXXX of XXXX I was high pressure sold by the finance guy that i needed to purchase prepaid service, rust protection and a huge vsa, I was unaware that these costs totaled over XXXX dollars. On top of that I never received mailed documents as it was stated in my original purchase contract. when I signed for the vehicle it was done on an electronic pad and i was not shown the numbers however upon reviewing these documents ( because I am also dealing with a lemon vehicle that has had issues since day 1 ) I realized the extreme numbers that were obviously added with out my knowledge its very clear to see that no normal person would ever agree to an added almost XXXX in unnecessary purchases listed. I believe when i signed the pad my signature was then applied to everything without a clear understanding of what exactly was going on. In XXXX of XXXX I began the process of filing a dispute and a claim for a lemon vehicle. I provided all the documentation to XXXX  and was then contacted by an agent, after reviewing my case it was deemed that I in fact was eligible to have my vehicle bought back. I received XXXX different emails with contradicting information. XXXX stated that they would be refunding the entire purchase price as they were unable to find me an equivalent replacement within the 45 day allotted time frame, then I received another email stating that I would still have to pay an estimated XXXX and return the vehicle. I asked why and I was told for usage, according to WI state law there is no usage charged after the first incident with the vehicle and in my case this would have been within the first XXXX. I was then told that i would need to contact the service contracts separately for a refund. ( however today XX/XX/XXXX I was just told that XXXX could have requested the agreement refunds themselves ultimately eliminating the additional monies owed at buyback. Very conflicting statements. Before I could even have time to consider the offer of buy back i received a letter stating that the offer expired, and that I would have to go thru the process again. Today I contacted the Service agreement again to cancel or find resolution and I was then transferred to XXXX  as they were the only ones who could fix the issue, they then told me after some back and forth that I would have to call back another time as they weren't working to transfer me. basically I got transferred to the same area 3 times with XXXX  resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries 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

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
CBE Group appears to be a third-party collections agency for XXXX the fraudulent accounts opened under my credentials. I receive a phone call from them daily. I don't answer the call and their numbers they call from are blocked by me. I have been the victim of identity theft several times and have had all instances cleared. They have been calling daily for XXXX XXXX non-stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: PA

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 : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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