vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Subject : Complaint Against Wells Fargo Auto for ECOA & Regulation B Violations Dear Consumer Financial Protection Bureau, I am filing this complaint against Wells Fargo Auto for willful noncompliance with the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, and its implementing regulation, Regulation B ( 12 C.F.R. 1002 ). 

On XX/XX/year>, I submitted a credit application through XXXX XXXX, which was subsequently forwarded to Wells Fargo Auto for an extension of credit. Despite allowing Wells Fargo ample time to rectify their noncompliance, the issue remains unresolved. 

I previously informed a Wells Fargo representative, XXXX XXXX, of these violations, yet the institution continues to disregard its legal obligations. Specifically, Wells Fargo Auto has failed to provide a proper adverse action notice as required under 12 C.F.R. 1002.9 ( a ) ( 2 ). The notice I received did not provide a specific principal reason for the adverse action taken on my credit request. Instead, I was merely given general key factors affecting my credit score, which does not satisfy the requirements of Regulation B. 

This noncompliance is a direct violation of federal law and raises concerns about whether other consumers are also experiencing similar unfair treatment. Wells Fargo Autos refusal to adhere to these regulatory requirements is unacceptable. 

Before pursuing legal action in federal court, I am allowing Wells Fargo Auto one final opportunity to comply with its legal obligations. As the Consumer Financial Protection Bureau ( CFPB ) is responsible for enforcing the Equal Credit Opportunity Act, I expect immediate corrective action. 

I demand a proper and legally compliant adverse action notice that explicitly states the principal reason for the denial. If there is no lawful basis for the denial, Wells Fargo Auto must extend credit on the originally requested terms. 

This matter is urgent, as Wells Fargo Auto is already in violation of the 30-day deadline to provide a proper notification. If Wells Fargo fails to resolve this matter within 15 business days of receiving this complaint, I will proceed with filing a federal claim. 

I look forward to your prompt response. 

Best, 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 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: IN

Complaint narrative:
I have been trying to withdraw my funds from this company for about 3 months. They will not respond to my emails or dropzone messages. I have {$16000.00} left in my XXXX  account in XXXX XXXX. {$35000.00} of it was stolen by a hacker in XX/XX/year>. The account is at XXXX XXXX XXXX 

When I try to withdraw my {$16000.00} to my bank account, it says " A maximum of {$0.00} can be withdrawn to this account at this time. To remove restrictions, you must first withdraw : {$25000.00} to XXXX Checking - XXXX '' I have noticed on trustpilot that this is common with hundreds of reviewers. XXXX  just keeps their money and restricts their accounts. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In regards to an Internet ( XXXX ) bill which was sent to collection on XX/XX/year> and paid in full by me shortly thereafter, this one-time delinquency was the result of a miscommunication by the XXXX customer service representative XXXX 
I was misled by the XXXX representative, and I am being unjustly punished by this delinquent mark on my credit. I have emails, invoices from XXXX which do not show any owed balance, payment records and text communications and most recently a screenshot of a customer service chat claiming they have no record of it. 

-- > Please note that when asked, the representative verbally confirmed that the account was now entirely in the new customer 's name and that I could settle my previous month 's bill with her directly. I immediately proceeded to remit payment to her. 

There was no delinquency on the account at the time, nor had there ever been previously. In fact, if you look at my credit report, you'll notice that - aside from this instance - I have a history of 100 % on-time payments in all my various accounts. 

I emphatically attest that the XXXX customer service representative, on the lengthy three-way call with myself and the transferee, left us both with the distinct understanding that my " final month '' balance was being carried over to the transferee 's account and that I could settle it with her directly. We both believed that the matter was concluded and that no extra money was owed by me to XXXX. 

I received no further correspondence from XXXX. No invoice, no past due notice. 
Nothing. 

-- XXXX Please note that The FIRST indication I had of any owed balance was the initial collections call from Eastern Account. I had received NO invoice from XXXX. I was given no notification whatsoever of an open balance, nor any time to resolve it before it was sent to collections. 

I immediately inquired with XXXX, but they told me there was nothing that they could do, that it was too late. They admitted XXXX fault of their own and refused to provide any details to me at all about my account history. My jeopardy due to the lack of any timely correspondence from XXXX seemed to be of no concern to them. They admitted no error, but an error was clearly made on their part. 
And I continue paying the price to this day. It has already cost me hundreds of dollars in higher interest, money that I am being charged on other accounts because of the excessive XXXX hit to my credit rating from this single instance. 
I hope youll agree that this is unjust, and take appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: KY

Complaint narrative:
I am writing to formally dispute an erroneous entry on my credit report that was made by the Experian without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported to credit reporting agencies is accurate, complete, and verifiable. Since I did not authorize this reporting nor was I notified in accordance with the FCRA, I request that all negative items be removed from my credit report immediately.

Please provide documentation supporting the basis for this reporting, including any consent I may have provided to allow this entry. If no such documentation exists, I request that you remove this negative information from my credit report. I would like my signature mailed to me from the exact company not a third party.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Wakefield & Associates has reported to XXXX and the other credit burea 's about a medical bill for XXXX. Under the law. Medical bills are no longer supposed to be reported to the credit burea. 


The CFPB 's Final Rule : In early XX/XX/year>, the CFPB finalized a rule that prohibits consumer reporting agencies from including medical debt on credit reports and prohibits lenders from considering medical information in lending decisions. 
Impact of the Rule : This rule aims to prevent the harmful impact of medical debt on consumers ' credit scores and to stop the practice of using the credit reporting system to coerce payment of medical bills. 
What's Changing : Credit reporting agencies ( like XXXX, XXXX, and XXXX ) are no longer allowed to include medical debt on credit reports. 
Lenders are prohibited from using medical information when assessing a borrower 's creditworthiness. 
This means that medical debt, regardless of amount or payment status, will no longer appear on consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: CA

Complaint narrative:
Dear CFPB, I am writing to bring to your attention that I have been a victim of identity theft since 2007. This ongoing issue has caused significant damage to my financial life. Since then, I have endured numerous challenges, including multiple police reports, being sued for fraudulent activity using my SSN, liens placed on my home, large tax debts, fraudulent use of my passport, job disqualifications due to debts, and employment fraud involving someone working under my name. 

I have made efforts to resolve this issue by notifying the relevant company about the fraudulent nature of this debt. Despite these efforts, they continue to refuse to remove this fraudulent account from my credit report. I have been actively fighting this fraud for nearly a decade, filing police reports across various cities and states, contacting the FTC, purchasing identity theft monitoring services, and seeking help from tax advocates. 

This fraudulent debt is not mine, and I request that it be removed from my credit report immediately. Please assist me in resolving this matter and restoring my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> I was the holder of 2 Chase Bank Checking Accounts and a holder of a Chase Savings account. On this day I requested a transfer of {$5000.00} to my XXXX XXXX XXXX XXXX checking account which is attached to my Chase checking account. This request was made via my Chase App on my phone. Later that evening I went onto the app to check the status and I received a message that my accounts were restricted and I needed to call to verify. I called the next morning requesting information on what the would be. I was told that my accounts are going to be closed with no explanation. I decided to go into the branch on XX/XX/year> at appx XXXX. I requested further clarification and none could be given. I requested to have all my money withdrawn immediately. I was denied and told I would receive a check in the mail. This is unacceptable they are holding my money hostage with explanation given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 explanation
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On or about XX/XX/XXXX I deposited a check from the US Dept of Treasury to my TRUIST checking account via teller at Bank. TRUIST accepted the the check with exception that it will be placed on temporary hold due to recently opening account and this direct deposit was the initial first direct deposit. Funds were to be released no later than XX/XX/XXXX, with partial funds being released within 48 hrs of deposit. On or about XX/XX/XXXX, TRUIST bank put account into " Restricted pending further investigation '' status " Due to the nature of the deposit and deposit type ''. I was not able to access this account nor retrieve funds already in account and including the initial deposit I made. I've made multiple attempts to have TRUIST bank release the direct deposit and all other funds in account. But was told the funds was being " held in recovery account '' until verification can be made with IRS that they did award check to me and funds were valid and belong to me. After speaking to countless TRUIST fraud agents and getting multiple answers, a supervisor said to provide proof of ownership of the initial deposit. On or about XX/XX/XXXX I was told that the initial fraud investigation was over and that the proof I provided was not sufficient to release funds from the direct deposit, which TRUIST bank DID VERIFY THE FUNDS WERE RECEIVED VIA US Treasury Dept via IRS. As of today, XX/XX/XXXX, TRUIST bank refuses to release funds to me or answer any other questions or requests.

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 2025-03-26 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/year> WITH JPMCB CARD I DID NOT ATHORIZE THIS INQUIRY ON MY REPORTS THIS IS FRAUD. 
I DID NOT GET NO ALERTS OR CALLS CONFIRMING THIS INQUIRY According to 15 US C 1692C you have violated my rights by in lawful communications. Please remove this collection off of my credit report thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: TN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am in receipt of my credit report, and I noticed an account claiming that I owe your company for a debt. The specific amount in question is IC SYSTEMS ACOUNT # XXXX The following account is listed incorrectly on my credit report. Please verify the method of reporting and provide validation of this account or please remove it from my credit report. 
Please remove it from my credit report According to the Federal Fair Debt Collection Practices Act, I have the right to have the alleged debt validated by you. 
I have to date received no proof that I owe your company a debt and I am requesting that you forward to me full and proper documentation as evidence of this alleged debt. As per the FDCPA it is a violation for any debt collector to pursue collection activities on an account without notifying the debtor in writing within 5 days after any communication. Additionally, I am allowed 30 days to dispute the validity of the debt. If you are unable to provide me with the proper proof, then you must stop attempting to collect this alleged debt. 
If you continue to claim I owe a debt that you can not confirm with proof, then you will be in direct violation of the FDCPA. Additionally, any attempt on your part to report this alleged debt will being violation of the Fair Credit Reporting Act, Please forward your documentation to me upon request of this certified letter. Please note that proper documentation is not a printout or bill from you but rather actual proof of the debts existence which should include. 
-The name and address of the original creditor -A detailed account of the alleged debt, including the amount owed and the nature of the debt specifically the services provided. 
-Verification or a copy of any documents that demonstrate my agreement by pay this debt, specifically a contract bearing my signature. 
-Proof that your company is licensed to collect debts in my state -Proof that your company has been assigned the right to collect this debt on behalf of the original creditor including an agreement that states that I would be liable to pay someone other than the original creditor. 
Regarding the last point, it is essential for you to demonstrate that you have the legal authority to collect this debt on behalf of the original creditor. I must be assured that I have given my explicit consent to allow your agency to pursue collections related to this debt without the proper proof of assignment your collection efforts may be in violation of the FDCPA.

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 2025-03-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Formal Dispute Violations of FCRA & Failure to Conduct Proper Investigation To Whom It May Concern, I am formally disputing an inaccurateaccount appearing on my credit report. This account is associated with an address that has never been my residence, and has never been reported on any of my credit obligations. Furthermore, the name on the account is missing my middle name XXXX making it abundantly clear that this account does not belong to me. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Failure to Investigate By continuing to report this clearly erroneous account, this credit beauru is in direct violation of : 15 U.S. Code 1681i Failure to Conduct a Reasonable Investigation : You have previously allowed this inaccurate account to remain, despite clear evidence that it does not belong to me.

15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : This account has no valid connection to me, yet it remains on my file.

15 U.S. Code 1681n Willful Noncompliance with the FCRA : By failing to act despite clear discrepancies, this credit buearu is willfully violating my rights.

15 U.S. Code 1681o Negligent Noncompliance : Your failure to correct this error after previous disputes demonstrates negligence.

Undisputed Proof of My Accurate Credit Profile Every single one of my legitimate installment and revolving accounts has always been and continues to report under my one and only address for the past 20 years : XXXX XXXX XXXX This undisputed fact is further corroborated by the documentation attached to this letter. There is no justifiable reason for this account to remain on my file.

Demand for Immediate Action Given the blatant violations outlined above, I am demanding that : 1.Immediately remove this fraudulent account from my credit report.

2.Provide written confirmation of the accounts deletion within 30 days.

3.Cease and desist from any further reporting of this account. 

Failure to comply will result in legal action against this credit bureau for willful violations of my rights under the Fair Credit Reporting Act and any other applicable federal or state consumer protection laws. 

This is your final notice to correct this issue before I escalate the matter further. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief