vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On Tuesday XXXX XXXX 2025 I made a deposit into my personal checking account in the amount of {$15000.00} USD via a check that was issued to me by my companies XXXX ( k ) plan provider. They placed a regular hold on the check because of the amount, which was unfortunate but expected. I was verbally told and given a printed receipt stating that part of the funds would be available today XXXX XXXX 2025 and the rest on XXXX XXXX 2025 due to the holiday, again expected and understandable. Turn to today XXXX XXXX 2025, I checked my account at around XXXX am and nothing has been deposited although my receipt states I should expect otherwise. I immediately called Wells Fargo, I explained my situation, asked why no funds had been made available, I was told further verification was needed. I said I would like to go back to the branch, reverse my deposit and get my check back, I was told thats not possible. I asked to be escalated to the next level, the next level recapped my issue then asked how they can help? I explained my dissatisfaction with the help thus far and the further financial trouble this was causing, I asked again why the extended hold was placed, I was given the same reason that further verification was needed, I asked that someone contact the maker bank and verify in order to lift the hold, I was again told XXXX XXXX possible and further verification wouldnt be made until XX/XX/year>. I asked why verification couldnt be made sooner and was basically told thats just how it is. I told the person on the phone that I didnt appreciate how I was being treated and wished to speak to their supervisor, I was told that is not possible and a complaint would be filed in my behalf, I clarified that I would not be transferred to anyone above this person which was confirmed, I then asked if I needed to stay on the line any longer and was told if I disconnected that no complaint would be made. So at this point the entire deposit amount is pending, not just a portion, its not set to be released until 4 days after initially stated and thats only IF they choose to verify the funds. They wont reverse the deposit or give back the check and the only options offered would take longer than the hold itself. This deposit is entirely meant to resolve debt and these practices are causing me financial harm, the interest charges caused by this will be around {$900.00}.

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 2025-11-26 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: MS

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: KY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-26 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I received a text alert from my bank ( XXXX ) on XXXX. It asked me if I tried to make a purchase of {$50.00} from mybambu.com. I replied no and it said it froze my card. I contacted XXXX as instructed by the fraud alert text, and was told they would open a fraud investigation after the charges were no longer in a pending status. I explicitly denied the transaction via their fraud alert system, yet the charge still posted to my account and XXXX more were approved after my card was supposed to be frozen, for a total of {$890.00}. Their system failed at every stage, and now XXXX the one being made to wait for a resolution. I provided them with a screenshot of the initial charge that was flagged, and my response to decline it. Because their security system obviously failed, I requested several times for an expedited provisional credit, but each time was told I would have to wait XXXX business days. Its beyond me that even after showing that their security measures failed, XXXX still the XXXX left waiting for their process to play out, and now XXXX cant even pay my rent, and will be incurring late charges because of that. Poor business practice when they expect their customer to pay for their systems error. If their security system was working as intended not only would have the first flagged transaction been stopped, all other attempts beyond that one would have been too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
b'Jefferson Capital Systems (JEFFCAPSYS)XXXX XXXX  XXXX XXXXJefferson Capital Systems is reporting two collection accounts on my credit without ever providing me with any valid written notice, as required by federal law. I never received a single initial communication, no 30-day notice of my right to dispute, no itemization of the alleged debt, and no proof that these accounts even belong to me.\nBecause I never received legal notice, these accounts were added to my credit without my knowledge or consent, which is a direct violation of the FDCPA 15 U.S.C. 1692g(a) and FCRA accuracy and permissible-purpose requirements.\nI have requested written verification TWICE.\nJefferson Capital has ignored my requests both times.\nInstead of validating the debt as required, they continue reporting these accounts as In Dispute, while refusing to comply with federal law. An invoice is not verification  and they know that. Verification requires:\nFull chain of assignment\nOriginal signed contract/ application\nItemized accounting of charges\nProof of ownership\nProof of accuracy\nEvidence that they had the legal right to collect\nJefferson Capital has provided none of this.\nIllegal and deceptive actions by Jefferson Capital (documented conduct)\nJefferson Capital Systems is known for:\nViolating FDCPA 1692g(a) by failing to provide required written notice within 5 days of first collection attempt\nReporting debts they cannot validate\nRe-aging accounts (illegal under FCRA)\nMisrepresenting balances and fees\nAttempting to collect debts past the statute of limitations\nProviding invoices instead of full validation (not legally sufficient)\nFailing to provide chain of title to show they legally own the debt\nContinuing collection activity while a dispute is active, violating FDCPA 1692g(b)\nFurnishing inaccurate data to the credit bureaus, violating FCRA 623\nThese are ongoing, repeated behaviors that harm consumers.\n\n\nJefferson Capital is knowingly violating both the FCRA and FDCPA, refusing to validate, refusing to remove inaccurate information, and continuing to furnish data they cannot prove is accurate or legally reportable.\nBecause they have failed to respond, failed to validate, and failed to meet federal requirements, these accounts are unverified, unvalidated, and illegally reported.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-26 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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted TransUnion and Equifax previously to request complete and verifiable information regarding these alleged debts. To date, I have not received any supporting documentation, contracts, statements, validation notices, or proof of ownership for any of the accounts. Until proper verification is provided, these accounts must be considered unverified and therefore inaccurate and incomplete for reporting purposes. 

Accounts in Dispute XXXX XXXX XXXX Opened XX/XX/XXXX {$470.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$510.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$2300.00} XXXX XXXX  Opened XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$5700.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$5800.00} XXXX dispute the accuracy, validity, and legal ownership of each of these accounts. I request that your agency : Provide full verification, including original creditor information, itemized statements, account history, and proof that these debts belong to me. 

Remove any account that can not be fully verified within the timeframe required by the FCRA. 

Provide an updated copy of my credit report once the investigation is complete. 

Several of these accounts also list dates that appear inconsistent with my records and may reflect incorrect or impossible reporting timelines ( e.g., accounts allegedly opened in future dates such as XXXX ), which further supports the need for a complete review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-26 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:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-26 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: KY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-26 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: TX

Complaint narrative:
In XX/XX/, the reported late payment on this account is incorrect. I have reviewed my records and confirm that the payment for that month was made on time. I have attached proof of payment, including the transaction confirmation and bank statements showing the payment was processed before the due date. I request that XXXX XXXX review the records and correct this inaccurate reporting with the credit bureaus.

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