vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NJ

Complaint narrative:
What happened? 
I am filing this complaint against Self Financial / Lead Bank regarding inconsistent and inaccurate reporting of late payments on my credit reports. The account number is XXXX, and it was opened on XX/XX/XXXX. 

My credit report shows different payment statuses across XXXX XXXX XXXX XXXX for the same account : XXXX  reports a 30-day late payment in XX/XX/XXXX and a 60-day late in XX/XX/XXXX. 

XXXX reports only a 60-day late in XX/XX/XXXX, but nothing for XXXX. 

XXXX  marks it as not more than three payments past due, which is vague and inconsistent with the other two bureaus.

This contradictory reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and is damaging my creditworthiness unfairly. I previously disputed this with Self Financial through XXXX XXXX? Management and formally requested they either verify the late payment with documentation or delete it if they could not prove its accuracy. 

To date, I have received no documentation to validate this negative mark. 
FCRA Violations Involved : 15 U.S.C. 1681e ( b ) Furnishers must report with maximum possible accuracy. Reporting different information across bureaus about the same account is inherently inaccurate and misleading.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) It is illegal for furnishers to report information they know to be inaccurate or can not verify.

15 U.S.C. 1681s-2 ( b ) Upon notice of a dispute, the data furnisher is required to : Conduct a thorough investigation Review all relevant information Report results to the credit bureaus Correct or delete any unverifiable or inaccurate data 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) If information is disputed and can not be verified, it must be removed or corrected. 

Legal Support : In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court reaffirmed that consumers have a right to accuracy in their credit reports and that unverifiable data must be removed to protect consumers from financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint XXXX XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am writing to formally report a recent incident of attempted identity theft and financial fraud involving a fraudulent impersonation of Wells Fargo Bank, and to respectfully request your support in ensuring this matter is properly investigated and addressed. 

On XX/XX/year>, at approximately XXXX p.m., I received a suspicious text message from the number XXXX, claiming to be from the Wells Fargo XXXX Department. The message read : WellsFargo : Did you attempt to purchase on XXXX at XXXX for {$620.00}? Reply YES or NO. STOP to opt-out. Message and data rates may apply. 

Concerned about possible unauthorized activity on my account, I responded NO at XXXX p.m. Within minutes, I received a phone call from the same number. The caller, who identified himself as a representative of Wells Fargo 's Fraud Department, stated that my account had been compromised and asked me to log into my Wells Fargo online banking portal. 

Once I logged in, the caller began asking me to verbally confirm the dollar amounts in my accounts. At that point, the nature of the call appeared highly suspicious. I responded : If this is truly Wells Fargo Fraud Department, then you should already know whats in my account ( s ). You tell me the balances, and Ill confirm them. If you can not do that, then this is clearly not a legitimate call. Im going to hang up and call Wells Fargo Fraud Department directly and see if this is a legitimate call.

Upon stating this, the caller immediately hung up. I then contacted Wells Fargo directly using their official customer service number and reported the incident in detail. A representative from the Telebanking Department confirmed that no legitimate communication had been initiated by Wells Fargo, and that the call and text message were fraudulent. I was assured the report would be recorded in their system. I also submitted a screenshot of the fraudulent text message to Wells Fargo 's phishing reporting email. 

After researching the phone number XXXX, I confirmed that it is not affiliated with Wells Fargo but rather associated with previous phishing scams and spoofing attempts, as reported online. 

This was a clear attempt at identity theft and financial fraud. I took prompt and appropriate action to protect my financial information and report the incident through the proper channels.

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 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XX/XX/scrub>XXXX XXXXXX/XX/year> I asked for hardship help due to being in the hospital with complications from XXXX  XXXX and have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: WI

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, theyare hurting my ability to obtain 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 explanation
Consumer complaint received 2025-05-06 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: KS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
There was a new account bonus when opening the saving account. I will receive {$520.00} bonus if I deposit at least {$25.00} and deposit {$25000.00} or more in new money to my new saving account within 30 days and maintain at least a {$25000.00} balance for 90 days after the account is opened. This bonus will deposited to my account within 30 days after I have met all offer requirements. 

I have met all the requirements and waited more than 30 days, still no bonus. So I called Wells Fargo. First agent told me I am not eligible because I have received a checking account bonus. However after hanging up the phone and going through the documents I received when opening accounts, I found there is nothing in any of the terms saying one offer would make another offer ineligible. 

So I called back to Wells Fargo trying to tell them what was printed in the documents. Second agent told me a different reason. I am not eligible for this offer because I am receiving 4 % promotional interest rate. This 4 % offer was added after I have opened the saving account. There is nothing in the promotional rate disclosure saying this would make my opening bonus ineligible. I told the agent that this is not the term and provided that I can send photo of the documents to prove it. The agent told me he can not received anything. 

I am eligible to all 3 offers according the terms. Checking account opening bonus and promotional rate offer for existing saving account do not make saving account opening bonus ineligible.

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 2025-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I have a saving account with CIT Bank for several years and today received a letter from First Citizen Bank to close my account by XX/XX/year> and they did not give me any reason I and the letter said if no action is taken by closing date they send me a check which ( {$250000.00} ) I do not want any check with that amount in mail plus having problem to deposit that to any bank for that reason try to transfer money to other banks but their system block me when I called the number they provided on letter they told me we do not have your account in our system, I called CIT Bank and they said some one by the name of XXXX blocked your account and we can not do anything. 
That is my money, and I should do whatever I want to do with it but at this time they don't let me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. XXXX refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and XXXX stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In the summer of XXXX  I informed my landlord XXXX  at XXXX XXXX XXXX XXXX I had enlisted in the military. prior to this period I did not owe my Landlord any past due rent. I will attach bank records to support this claim. They got a default judgement without prejudice against me after I was late for rent they sent in a letter conditions for withdrawal of eviction proceedings which I fulfilled. I did not know this! I lived there till XXXX XXXX gave the notice and military orders. They went back to court even though I did not owe any past due rent, and under XXXX law my lease should have been cancelled on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to XXXX in XXXX to dispute these items. However, it has been more than XXXX days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), which requires a response within XXXX  days. 

Under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX  days of receiving the notice of dispute.

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 2025-05-06 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: GA

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and authorized accounts information reporting to my Equifax credit report by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.I sent a debt validation letter few months ago but did not get no response. these remarks have been detrimental to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
DISCRIMINATION COMPLAINT Citi indicated in the attached doc reason for denial is 1 ) late payments 2 ) collection accounts Attached is also copy of the same agency ( XXXX  ) where it clearly shows 1 ) no late payments 2 ) no collections Citibank and employees are discriminating and also using false information in their business correspondence to consumers. 
More gov agencies will be aware of these. 
Im requesting for Citi to stop discriminating and to correct this issue asap please.

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 2025-05-06 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: KS

Complaint narrative:
XXXX XXXX XXXX I disputed a XXXX XXXX account on my consumer credit report, requesting verification under the Fair Credit Reporting Act ( FCRA ). I have not received a response from the credit bureau, but they have updated my account with the XXXX account still present. Despite my request, I have not received the verification details, such as the source of verification, documentation used, or the verifying partys contact information. This constitutes a violation of FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 7 ). I am requesting immediate deletion of the unverifiable XXXX XXXX account and written confirmation of its removal. The credit bureau continues to report this account even though it can not be properly verified under FCRA 611. The company updated the account after my dispute without providing a proper Method of Verification. Therefore, the information being reported is inaccurate and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
I am writing to follow up on a previously disputed collection account that remains on my credit report despite the debt collector 's failure to validate the debt. This account is currently being reported by : - Debt Collector : XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXXXXXX - Account Number ( Partial ) : XXXX XXXX XXXX XXXX XXXX  - Amount Reported : {$1800.00} Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ), once a consumer files a dispute, the credit reporting agencies and furnisher are required to conduct a reasonable investigation and verify the accuracy of the information. XXXX XXXX XXXXding failed to provide : - A valid Assignment of Contract or Bill of Sale to prove they purchased this specific debt - A signed agreement or contract showing I agreed to the alleged debt - A breakdown of charges, statements, or account history These are basic documents needed to substantiate their legal right to report and collect this alleged debt. 
Since the collector has failed to verify or validate the account with sufficient evidence as required by law, I am demanding that this unverified collection account be permanently deleted from my credit report. 

Please reinvestigate this entry. If it can not be fully verified with proper documentation, it must be removed as required by law.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I noticed a large amount of inquiries within the last few months or so that I have no idea about I would like them removed from my credit report Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXX XXXX XXXX  : The inquiry was not authorized Yes access_time In Dispute XXXX Equifax XXXX XXXX XXXX XXXX XXXX  The inquiry was not authorized Yes accessXXXXtime In Dispute XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized Yes accessXXXXtime In Dispute XXXX Equifax : XXXX XXXX XXXX : The inquiry was not authorized Yes accessXXXXtime In Dispute XXXX XXXX Equifax : XXXX XXXX XXXX XXXX The inquiry was not authorized Yes accessXXXXtime In Dispute XXXX XXXX Equifax : XXXX XXXX XXXX  : The inquiry was not authorized Yes accessXXXXtime In Dispute XXXX  Equifax : XXXX XXXX XXXX XXXX The inquiry was not authorized Yes accessXXXXtime In Dispute XXXX  Equifax : XXXX XXXX XXXX  : The inquiry was not authorized Yes access_time In

Company response to consumer: Closed with explanation