vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
b'Issue: Wells Fargo closed my business debit/credit card without my knowledge or consent.\nOn XXXX XXXX XXXX, I filed a dispute online for a transaction on my Wells Fargo business account card. At no point in the online dispute form did Wells Fargo disclose that my card would be closed and replaced. In the past, I filed similar disputes online and my card remained open, so I had no reason to expect a closure this time.\nWells Fargo closed the card without notifying me beforehand and only sent a notice after the cancellation, saying a new card was on the way. My card appears to have been closed on XXXX XXXX XXXX XXXX but I only received the notification email on the morning of XXXX XXXX. By then, I had already used the canceled card on XXXX XXXX for a critical U.S. Citizenship and Immigration Services (USCIS) government payment, which failed. This has put my immigration process at risk.\nWhen I called Wells Fargo, a supervisor admitted that customers are informed about card closure if they dispute by phone, but could not point to any warning in the online dispute process. That means I was not given clear notice or the opportunity to confirm before losing access to my card.\n This way, the timeline is crystal clear:\nDispute filed  XXXX XXXXnCard closed  XXXX XXXX  (no notice)\nUSCIS payment  XXXX XXXX (failed)\nNotice email  XXXX XXXX (too late)'

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 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to 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 XXXX XXXX XXXX -Date Opened XX/XX/year>

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 2025-09-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Consumer Rebuttal to Companys Response I reject Fair Collections and Outsourcings response dated XX/XX/XXXX because it is inaccurate, incomplete, and misleading. 
XXXX. False Statement About Move-Out Notice o The company claims I gave written notice of moving almost XXXX years later, which is false. 
o I never provided a written letter of move-out. I vacated the apartment in XX/XX/XXXX due to harassment by an employee ( who has since been fired for harassing tenants ). 
XXXX. Another Family Occupied the Apartment o By XXXX XXXX, another family was already living in the same unit. 
o The claim that I remained responsible into XXXX is false and exaggerated. 
o If the company insists otherwise, they must produce the alleged move-out letter they claim exists and explain why another family was allowed to lease and occupy the unit while charging me. 
XXXX. Incorrect Balance & Double Collection Issue o The balance of {$50000.00} is inflated and inaccurate. 
o Since another family was paying rent from late XXXX onward, FCO and/or XXXX XXXX XXXX XXXX XXXX double collection charging XXXX different parties for the same apartment. 
o This constitutes unjust enrichment and a misrepresentation of the amount of debt owed, which violates FDCPA 1692e ( false or misleading representations ) and 1692f ( unfair practices ). 
XXXX. Failure of Proper Verification o The so-called verification mailed XX/XX/XXXX is late and does not cure these defects. 
o Under FDCPA 1692g, verification must include truthful, complete documentation. The documents provided do not explain the inflated balance, the false move-out claim, or the fact that another tenant occupied the unit in XXXX. 
o Continuing to report or attempt to collect this disputed, inaccurate debt violates the FCRA 1681s-2, which requires furnishers to ensure accurate reporting. 
Requested Action : Require the company to provide : o A copy of the alleged written move-out letter. 
o Proof no other tenant occupied the apartment after XX/XX/XXXX. 
o A corrected, itemized breakdown that excludes charges after I vacated in XX/XX/XXXX. 
Suspend or delete this tradeline from credit reporting until the company provides complete, truthful, and verifiable documentation. 
This matter remains unresolved. I request CFPB escalation, enforcement, and removal of inaccurate reporting until compliance with federal law is demonstrated.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.                               \n\nFRAUDULENT ACCOUNTS:\n\nAccount Name: XXXX XXXX -Date Opened XXXX -Balance 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 2025-09-03 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: CBC Companies, Inc.
State: NM

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-03 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: FL

Complaint narrative:
Re : Formal Response to Incomplete Validation Demand for Proper Investigation and Documentation I am writing in response to your recent correspondence in which you claimed that the accounts I disputed were " validated. '' However, your reply failed to include any documentary proof of validation or ownership of the alleged accounts as I specifically requested in my prior letter dated XX/XX/year>. 

XXXX. Failure to Provide Proper Validation Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), Equifax has a legal duty to conduct a reasonable reinvestigation of disputed information. A blanket response that an account was " validated, '' without providing : XXXX. The chain of assignment or transfer of ownership of the debt, XXXX. Full XXXXcompliant accounting records reflecting receivables/payables from inception XXXX. A signed contract or agreement bearing both my autograph and the signature from the other party XXXX. Proof that the promissory note was not deposited does not satisfy the statutory requirement of a good faith reinvestigation. 

Simply parroting information back from a furnisher without furnishing actual proof constitutes willful noncompliance with the FCRA. 

XXXX. Reporting Inaccuracies and Damage Caused As stated in my prior notice, I have documented evidence showing that accounts such as XXXX  XXXX XXXX XXXX was securitized and transferred into asset-backed securities. Once securitized, ownership and custodial rights were altered, making any continued reporting of this account potentially inaccurate, incomplete, and misleading. 

The continued reporting of unverifiable and inaccurate information has caused me discrimination, denial of credit opportunities, emotional distress, and financial hardship. 

XXXX. Equifax Legal Exposure If Equifax continues to report unverifiable accounts without proper documentation, you are in violation of : 15 U.S.C. 1681i Failure to properly reinvestigate disputes.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. 

15 U.S.C. 1681n Willful noncompliance, subjecting you to statutory damages, punitive damages, and attorneys fees.

15 U.S.C. 1681o Negligent noncompliance, subjecting you to actual damages and attorneys fees. 

Courts have consistently held that CRAs may not rely solely on automated responses from furnishers when the consumer has provided evidence challenging the validity of the information. 

XXXX. Final Demand Accordingly, I demand that Equifax either : Provide full documentary validation of the disputed account as outlined above within 15 days of receipt of this letter, or Immediately delete this unverifiable account from my credit profile. 

XXXX XXXX XXXX Without Prejudice, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported by Equifax on my credit report. 

I disputed an account with Equifax. Both Experian and XXXX  conducted their own investigations into this same account and determined that it could not be verified. As a result, they deleted the account from my credit file. 

Despite this, Equifax continues to report the account without providing proof of verification. I exercised my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires Equifax to conduct a reasonable reinvestigation and delete any unverifiable information. Under 1681e ( b ), Equifax also has a duty to ensure maximum possible accuracy of the information they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and this complaint is for me and my mom and XXXX XXXX please review this email she got Please call Ally Inbox Report Fraud XXXX XX/XX/year>, XXXX ( XXXX hours ago ) to me It is important we speak with you regarding a matter relative to a deposit account at Ally Bank XXXX Reference # XXXX. 
Please contact Ally Bank XXXX XXXX at XXXX XXXX  through XXXX, XXXX XXXX XXXX. 


Best Regards, Loss Prevention XXXX when she try to call to get it resolved the guy agent told her it was supposed to be about our accounts will be terminated but we want yall to further look into it to see if thats what the account update note say or not or provide us what they need for the reference number to get it resolved but they didnt give her a chance to resolve it or call in before she saw the email and she also got this email Your XXXX and External Transfers Profile has been suspended. 
XXXX Ally Bank XXXX XXXX ( XXXX XXXX XXXX XXXX to me Your XXXX and External Transfers Profile has been suspended. 

XXXX logo Dear XXXX, For your protection, we've suspended your XXXX and External Transfers profile. 

XXXX. There has been adverse activity reported on your profile. 
XXXX. We have received information that you may not be the owner of XXXX of the external accounts added to your transfer profile and have taken this action as a security precaution. 

If you have any questions or would like to discuss reactivation of the service, please contact us at XXXX. 

Sincerely, Customer Service Email ID : XXXX XXXX XXXX XXXX  Questions? Call us XXXX at XXXX Chat with XXXX Email us she need her XXXX email XXXX and other XXXX email XXXX to be unsuspected so and fully reactivated on both emails because it got suspended for no reason we didnt do nothing wrong to have it suspended and we need to use both emails for XXXX some where else and checking account number is XXXX and saving account number is 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 2025-09-03 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-03 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: AZ

Complaint narrative:
I am formally disputing the late payment that has been reported on my account. After reviewing my records, it is clear that the alleged delinquency never occurred. Every payment was submitted on time, and the reporting of a late entry is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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