vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Subject : Follow-Up and Request for Action on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX This is a follow-up to my original complaint, reference number XXXX, submitted on XX/XX/XXXX regarding multiple credit card disputes with Wells Fargo. 

The disputes in question are : Dispute # XXXX {$5000.00} ( Posted Date : XX/XX/XXXX ; Disputed on : XX/XX/XXXX ) Dispute # XXXX {$2500.00} ( Posted Date : XX/XX/XXXX ; Disputed on : XX/XX/XXXX ) Wells Fargo previously closed Dispute # XXXX ( {$5000.00}, posted XX/XX/XXXX ) in my favor on XX/XX/XXXX, which I appreciated. However, no updates or communications have been provided regarding the other XXXX disputes ( # XXXX and # XXXX ), despite similar circumstances and timeline. 

As it has now been over XXXX weeks since the resolution of the first dispute, I believe it is reasonable to expect progress or at least an update on the others. I am requesting that both Disputes # XXXX and # XXXX be formally reopened and reviewed individually to ensure appropriate and timely handling by Wells Fargo. 

I would appreciate the XXXX assistance in prompting Wells Fargo to take individual action on each of these unresolved matters. 

Thank you for your continued support and attention to this issue. 

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 2025-06-15 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: IL

Complaint narrative:
To whom it may concern, The law is clear : If any information is deleted from a consumers file the information may not be reinserted unless the furnisher certifies that the information is complete and accurate AND the agency notifies the consumer in writing within 5 business days.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Equifaxs failure to provide this required notice is a blatant violation of the FCRA and is now documented with evidence.

3. Refusal to Provide Method of Verification When I previously disputed a negative item " XXXX XXXX XXXX  '' on my report, an Equifax representative refused to provide the method of verification, which violates : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) This law gives me the right to receive a description of the procedure used to determine the accuracy and completeness of disputed information.

Denying this information is a violation of federal law and has further obstructed my rights as a consumer. 

On XX/XX/year>, I spoke with an Equifax supervisor who identified herself as XXXX. She verbally stated that Equifax does not send out reinsertion letters, despite this being required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I documented the call, and can provide further detail if requested. I informed her Equifax is the only credit agency reporting this account and she stated she can't remove it despite me informing her of the violations.

DEMANDS Pursuant to my rights under the FCRA, I am demanding the following : 1. A full written explanation for the unauthorized placement of the fraud alert 2. Written documentation that certification was obtained from any furnisher whose account was reinserted 3. an admission that reinsertion notice were not sent 4. A full method of verification for each item I have disputed 5. A full investigation of all violations described above 6. Immediate removal of any account reinserted without following proper legal procedures 7. Immediate correction and update to my credit file to reflect accurate, lawful reporting NOTICE OF INTENT If Equifax fails to comply within the timeframes required by law, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General Consider pursuing legal action under FCRA 616 and 617 ( 15 U.S.C. 1681n & 1681o ) for willful and negligent noncompliance, including seeking statutory and punitive damages I expect a full response within 30 calendar days, as required by the FCRA. 



Sincerely, XXXX XXXX XXXX : Copy of government-issued ID Proof of address SS Card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I submitted a formal dispute to all three major credit reporting agencies concerning a closed XXXX XXXX account ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ). The reporting on this account is inconsistent, misleading, and potentially re-aged, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Summary of Violations : 607 ( b ) : Inaccuracy and inconsistency The Date of Last Activity and Date Reported differ significantly between the bureaus. 

XXXX falsely shows account activity in XXXX, even though the account was closed in XXXX, raising concern of unlawful re-aging. 

XXXX reports the account as Paid, was past due 150 days, while both XXXX and TransUnion show it as Pays as agreed. These conflicting statuses are materially misleading. 

623 ( a ) ( 3 ) : Failure to reflect dispute notation XXXX  shows a dispute remark on the account, but XXXX and TransUnion do not reflect this, violating the FCRAs requirement that disputes be noted across all credit reporting agencies. 

611 : Inadequate reinvestigation I previously submitted a dispute, but none of the CRAs resolved or corrected the discrepancies, nor did they uniformly update or verify the account 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 non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I submitted a formal dispute to all three credit reporting agencies concerning a charged-off XXXX XXXX account ( Account # : XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX or XX/XX/XXXX depending on bureau ). The reporting of this account is factually inconsistent and contains multiple FCRA violations.

Identified Violations : 607 ( b ) : Failure to ensure maximum possible accuracy The " Date of Last Activity '' differs between CRAs : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Payment histories and account classifications are inconsistent Example : " Charge Card '' on Experian vs. " Revolving '' elsewhere Date Opened is also reported inconsistently between TransUnion and the other two CRAs 623 ( a ) ( 3 ) : Failure to reflect disputed status Experian reflects a past dispute ( Dispute resolved consumer disagrees ), but Equifax and TransUnion do not, which violates the requirement to clearly indicate any disputed status across all CRAs.

611 : Failure to reinvestigate Despite having disputed this account previously, the reporting remains inaccurate and contradictory with no clear corrective action taken.

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 2025-06-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My ex applied for Wayfair card he obtained furniture had a contract with furniture company which I don't never signed contract and guess he didn't pay so now it was placed on my credit report even though I don't have the contract even contacted Wayfair was told they could not pull me up to send records of me purchasing anything yet it's XXXX in collection on my credit report like this has made my report be in negative collections are big deal if I want to apply for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: PR

Complaint narrative:
I am disputing the following account on my credit report : Creditor : XXXX XXXX / XXXX Account Status : Closed ( Charge-off ) Reported Balance : {$3800.00} This account is inaccurately reported as a charge-off despite being closed for over 120 days, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). The FCRA requires that information reported to credit bureaus must be complete, accurate, and not misleading. 

Specifically : Outdated Derogatory Status : The account was closed on XX/XX/year> ( per TransUnion ), yet it continues to report as a charge-off, making it appear newer than it is. 

Inconsistent Payment History : Equifax reports 5 % on-time payments, while TransUnion reports 7 %, indicating discrepancies. 

Duplicate Remarks : TransUnion lists " Profit and loss write-off '' twice, suggesting erroneous reporting. 

I request that this account be removed entirely from my credit report due to these inaccuracies. If the account can not be verified as accurate under FCRA 1681i ( a ), it must be deleted. 

Please investigate and correct this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I was sending my mom XXXX $ for electric bill cashapp allowed the transaction to go through then they refunded it and locked my account for 24/48 hours after 48 hours card still locked now my electricity will be shut off I sent them the disconnected bill and explained that the following day was my first day of work and that I use XXXX to commute and have no money XXXX I did not attend my first day because of this I need my money and Im never using the app again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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:
Please see supporting documents pertaining to Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: IL

Complaint narrative:
I recent got ahold of my report and notice that I had multiple inaccurate information on my report, I have also contacted the FTC & filed all the proper steps

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: IL

Complaint narrative:
I recent got ahold of my report and notice that I had multiple inaccurate information on my report, I have also contacted the FTC & filed all the proper steps

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 2025-06-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I have about XXXX of these collections on my credit reporting, ranging from $ XXXX {$40000.00} each. I kept disputing through XXXX XXXX XXXX  but my dispute keeps getting denied and its saying that its verified as correct. 

I know this is not correct because I have never stayed at these apartment complexes. 

My ID card was lost and misplaced but since then I got a new one. Ive asked them to delete but they keep reporting balance owe and updated every month. Its ruining my credit. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Trans union failed to remove charged off items off my credit they also have my identity theft police report to have all negative inquiries removed

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 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/XXXX I was hacked and my debit card was compromised. The thieves made unauthorized transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total of {$5100.00} When I discovered the unauthorized transactions, I notified my bank Navy Federal Credit Union IMMEDIATELY and let them know my debit card number was stolen. At this time, I cancelled my two debit cards and let them know this was fraud. The charges were pending and on XX/XX/XXXX, the charges cleared my checking account. I also filed a police report of the incident. I supplied Navy Federal with the police report, and they told me the fraud department would have to investigate before my money could be returned. Upon review the bank did not credit back my money and did not give me an explanation as to why. I supplied them the phone numbers of who had pretended to be customer service of XXXX and who somehow was able to access my debit card number. I then appealed the decision and provided more information including a letter from XXXX, my other banking statement of which the thieves also got into XXXX XXXX XXXX XXXX who reversed the fraudulent charges quickly, and messages from the perpetrators in the XXXX. On XX/XX/XXXX, the thieves attempted to use my canceled debit card again at XXXXXXXX XXXX in the amount of {$1100.00} again. I XXXX XXXX the alert and sent it to Navy Federal IMMEDIATELY as new evidence that the thieves were still trying to steal money. I have yet to receive any of my money back from Navy Federal Credit Union and believe I have rights to protect me as a member. I feel my rights have been violated and I provided ample information to prove these charges were not mine. I immediately reported the problem and cancelled my cards as soon as I saw what was going on. There has to be protection for me against these crimes and Navy Federal Credit Union did not treat me fairly. I want my money back that was stolen from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
To Whom It May Concern : I am writing to issue an urgent and final dispute and legal demand pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).

I am the victim of identity theft and have not authorized, opened, or closed any of the accounts listed below. These accounts are fraudulent, and their continued presence on my credit reports constitutes ongoing harm and clear violations of federal law.

Further, some of these accounts appear multiple times under different entry names, which is a clear violation of the FCRA, Section 1681e ( b ) ( reporting accuracy ) and may be construed as intentional misreporting, malicious furnishing, or an attempt to inflate derogatory data, which is expressly not permitted under federal regulations.

Accounts to Be Permanently Blocked, Deleted, and NOT Reinserted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LEGAL OBLIGATIONS & DEMAND FOR ACTION : Under FCRA 605B [ 15 U.S.C. 1681c-2 ], and supported by 1681e ( b ), 1681i, 1681n, and 1681o, I demand : Full and permanent deletion and blocking of all listed accounts including all duplicate/multiple entries, which are strictly prohibited.

Immediate cease and desist from any future reinsertion of these items unless strict FCRA re-investigation rules are followed. 

Action to be taken within XXXX business days ( blocking ) and completed within XXXX calendar days ( full reinvestigation and deletion ). 

Written confirmation must be sent showing all accounts removed and blocked permanently under my file.

YOUR NONCOMPLIANCE VIOLATES THE FOLLOWING FEDERAL LAWS : 15 U.S.C. 1681c-2 Failure to block identity theft-related items 15 U.S.C. 1681e ( b ) Inaccurate reporting & duplicate entries 15 U.S.C. 1681i Failure to reinvestigate disputed data 15 U.S.C. 1681n Willful noncompliance with FCRA 15 U.S.C. 1681o Negligent failure to comply with FCRA FAILURE TO COMPLY WILL RESULT IN IMMEDIATE ACTION INCLUDING : Complaints filed with the CFPB, FTC, and Ohio Attorney General Retention of legal counsel to pursue civil claims for actual, statutory, and punitive damages Enforcement of injunctive relief and court-ordered deletion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am requesting a reinvestigation of the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was closed in XX/XX/XXXX following a voluntary surrender. Despite its closure, this account continues to be reported monthly as delinquent and derogatory through XXXX, XXXX, and XXXX, which is inaccurate and misleading. Continued reporting after closure constitutes potential re-aging of the debt and violates the Fair Credit Reporting Act ( FCRA ). 
This account has been investigated a few times and it still shows innacurate information and it's violating my rights. 
Please remove this account from my credit report. It is hurting my ability to get credit.

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 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: OK

Complaint narrative:
They are claiming that they sold the car I never received a 1099C my credit report is stating that the car was charged off and also there Still reporting illegal balances and also Ive never received a 1099C so I can With my taxes, according to the IRS They are violating federal law by falsely, claiming a charge off I never received a 1099C by law If the vehicle is Charged off They must send a 1099C I am also reaching out to the IRS. This is a legal.

Company response to consumer: Closed with explanation