vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
II am writing to file an official complaint regarding Wells Fargo Banks continued practice of charging excessive overdraft fees in violation of recently established federal guidelines and consumer protection laws. 

Upon reviewing my account, I noticed a negative balance of - {$250.00}. I discovered that Wells Fargo charged me {$35.00} per transaction for multiple automatic debit payments, resulting in {$430.00} in total overdraft fees. These fees were applied despite updated 2024 guidance from the Consumer Financial Protection Bureau ( CFPB ), FDIC, and Congress, which restrict or eliminate excessive overdraft fees. As I understand it, the maximum permissible fee under the new regulations should not exceed {$5.00} per overdraft. 

I contacted Wells Fargo to dispute the charges and shared my understanding of the new law. Despite my efforts to resolve the issue amicably and explain my financial hardship, the bank refused to remove the charges or acknowledge the policy change. Wells Fargo continues to enforce these predatory fees, disregarding updated consumer protection regulations intended to prevent this exact harm. 

For your review, I have attached a screenshot from my Wells Fargo account clearly showing the unauthorized and excessive overdraft charges. I respectfully request your assistance in : Investigating Wells Fargos continued application of unlawful overdraft fees.

Reversing the charges on my account.

Taking appropriate regulatory action to prevent this conduct from impacting other vulnerable consumers.

Thank you for your time and attention to this matter. I look forward to your response and any updates regarding the next steps in the investigation.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
I am filing this formal complaint against [ IQ DATA XXXX XXXX ], who is attempting to collect an alleged debt without providing proper verification as required under the Fair Debt Collection Practices Act ( FDCPA ), specially 15 U.S.C. 1692g. 







On XX/XX/year>25 I received communication from this collector regarding a debt allegedly owed to [ XXXX XXXX. In accordance with my rights, I submitted a written Debt Validation Request on that same date, requesting : - The name and address of the original creditor - The amount of the alleged debt - Proof that I owe the debt, including any signed agreement or contract - Verification of their legal authority to collect on the debt As of today, they have failed to provide the required documentation. Despite this, they have continued to engage in collection efforts and may have reported this unverifiable account to the credit reporting agencies, in violation of 15 U.S.C. 1692g ( b ).

I am requesting that the CFPB investigate this matter and take appropriate action. Attached to this letter are : - A copy of the original collection notice - My written request for validation - Proof of delivery ( certified mail receipt or tracking ) - Any additional communication from the collector This company is operating in bad faith and violating my consumer rights. I respectfully request that they be instructed to : 1. Cease all collection activity until proper verification is provided 2. Remove any negative credit reporting associated with this account 3. Provide documentation showing the full chain of ownership of the debt, if applicable Thank you for your time and attention to this matter. I look forward to a prompt and just resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today XX/XX/2025 I checked my credit report with transunion and was notified they removed XXXX XXXX accounts that were reporting on my credit report. All XXXX of these accounts are in excellent standing and now they were removed. I tried to dispute it online but there was nowhere for me to do so. I contacted transunion by phone to complain and I got hung up on 2 times. I never requested for them to remove these accounts. I also verified with XXXX that there is no problem and they never told transunion to stop reporting the XXXX accounts. My score dropped due to them removing these XXXX credit cards.

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 2025-07-23 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: FL

Complaint narrative:
I am deeply troubled by the apparent errors, lack of updates, and the absence of verification in the negative items reported under my name. I believe it is important to emphasize the importance of accurate and verified information in credit reporting, as these discrepancies can have far-reaching consequences on my financial standing and overall creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am deeply troubled by the apparent errors, lack of updates, and the absence of verification in the negative items reported under my name. I believe it is important to emphasize the importance of accurate and verified information in credit reporting, as these discrepancies can have far-reaching consequences on my financial standing and overall creditworthiness.

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 2025-07-23 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: TX

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. 

FRAUDULENT 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-23 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am a victim of identity theft. Several accounts on my credit reports do not belong to me and were opened without my authorization. 

I submitted an FTC Identity Theft Report ( Report # XXXX ) and provided supporting documents ( including my ID and Social Security card ) to the credit reporting agencies. However, the fraudulent accounts were not removed. 

These inaccurate items violate the Fair Credit Reporting Act ( FCRA ), which requires the bureaus to block information after receiving proper identity theft documentation. 

Fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting CFPB assistance to have these unauthorized accounts and any related inquiries removed from my credit reports immediately.

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 2025-07-23 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 a victim of identity theft. Several accounts on my credit reports do not belong to me and were opened without my authorization. 

I submitted an FTC Identity Theft Report ( Report # XXXX ) and provided supporting documents ( including my ID and Social Security card ) to the credit reporting agencies. However, the fraudulent accounts were not removed. 

These inaccurate items violate the Fair Credit Reporting Act ( FCRA ), which requires the bureaus to block information after receiving proper identity theft documentation. 

Fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting CFPB assistance to have these unauthorized accounts and any related inquiries removed from my credit reports immediately.

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 2025-07-23 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: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
am filing this complaint against XXXX XXXX XXXX XXXX and the three credit bureaus ( Experian, Equifax, and TransUnion ) for violating multiple sections of the Fair Credit Reporting Act ( FCRA ), including 611, 623 ( a ) ( 2 ), and 623 ( b ), due to failure to validate, incorrect updates, and continued negative reporting after certified disputes. 



On XX/XX/XXXX, I sent certified dispute letters to XXXX XXXX XXXX XXXX and all three credit bureaus requesting validation of an auto loan tied to a vehicle involved in a fatal accident in XXXX. The vehicle was fully insured, and XXXX XXXX communicated with the insurance company directly. 



Despite receiving my dispute and supporting documentation, XXXX XXXX never mailed a response or provided proper validation of the alleged debt. Instead, they continued to furnish derogatory information, including updating the payment history on XX/XX/XXXX, and adding re-aged data retroactively a direct violation of FCRA requirements. 



Additionally, all three credit bureaus verified the account without providing supporting documentation, violating FCRA 611. These bureaus failed to conduct a reasonable investigation, and none of them mailed a proper outcome or validation response to my address. 



XXXX XXXX has only responded to my disputes via email and has not fulfilled their legal obligations to validate the debt or stop reporting false, unverifiable 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 non-monetary relief
Consumer complaint received 2025-07-23 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: AK

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  - Date Opened XXXX/XXXX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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