vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was charged {$240.00} in non-sufficient funds ( NSF ) fees by Wells Fargo for a series of transactions that were initially declined and then reprocessed. The charges that triggered these fees were the same original transactions, not new ones yet I was charged multiple NSF fees. 

This seems to go against the FDIC and CFPB guidance that deems multiple NSF fees for re-presented items potentially unfair or deceptive if not properly disclosed. Ive reviewed my account agreement and dont see clear language stating that I could be charged more than once for a declined payment. 

I requested a reversal as a one-time courtesy due to the excessive fees, but was denied. I am asking for assistance in resolving this matter and having the fees refunded. The nsf are more than the actual transaction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 formally dispute and demand the deletion of the following account listed on my Experian credit report, which I believe to be inaccurate, unverifiable, and reported in violation of federal and commercial law : Creditor Name : XXXX / XX/XX/XXXXAccount Number ( Last 4 digits ) : __________ Balance Reported : {$18000.00} Status : Repossession / Charge-Off REASONS FOR DISPUTE : 1. Inaccurate Personal Information / Data Mismatch The tradeline reflects personal identifying information that does not match my identity, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ). You are legally obligated to maintain maximum possible accuracy in all consumer files. This inaccurate data alone renders the account unverifiable and reportable only upon full validation.

2. Compromised Account Due to Experian Data Breach Due to Experians known and publicly documented data breaches, I have reason to believe this tradeline may have been improperly added, altered, or associated with inaccurate identifiers. As required under FCRA and FTC regulations, you must uphold the integrity of my file or delete unverifiable records that may have resulted from breach activity.

3. Violations Under UCC Article 9 Invalid Repossession The repossession and deficiency balance reporting fail to comply with Uniform Commercial Code ( UCC ) Article 9 standards. Specifically : UCC 9-609 : Improper or unauthorized repossession UCC 9-610 : No commercially reasonable resale procedures UCC 9-626 : Failure to account for proper sale valuation UCC 9-210 : Failure to provide verified accounting upon request Any resulting deficiency reported without compliance is invalid and unlawful, and therefore reporting of this account violates both UCC obligations and FCRA requirements for accuracy.

4. Failure to Verify Account in Prior Dispute Continued Violation This account was previously disputed and remains unchanged, even though no documentation proving lawful ownership, accuracy, or contract terms was produced. According to FCRA 1681i ( a ) and 1681s-2 ( b ), any item that can not be verified must be immediately removed from all reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aargon Agency, Inc.
State: WA

Complaint narrative:
I received an email notice from XXXX  through XXXX XXXX stating that I had a " derogatory '' entry made on my credit report by XXXX XXXX XXXX pertaining to an account that is XXXX XXXX XXXX XXXX XXXX. The notice included with this complaint. 

I have not lived in Missouri since XXXX. I am a resident of XXXX XXXX. To the best of my knowledge this entry had been removed in the past and had lacked as much documentation and accuracy as it appears to lack now. 

I have demanded a forward flow agreement, a written and executed agreement demonstrating wet signatures that I even opened an account with this organization or with whomever appears to have been the " original debtor ''. 

This matter is damaging me financially and I demand its removal from my credit report immediately, as it can not be proven as my responsibility, because it is not my responsibility. The details of this agreement have never been provided, nor has ANY documentation been provided to substantiate this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
To whom It may concern ; This letter results in a demand for validation of the alleged debt {$2400.00} you claim I owe XXXX XXXX XXXX. as required by 15 U.S.C. 1962g [ FDCPA ] and 15 U.S.C.1681 [ FCRA ]. You are hereby notified that I dispute the alleged debt {$2400.00} in it's entirely and demand full validation. Under the Fair Debt Collection Practice Act, I have the right to request the following ; [ 1 ] Full and Complete validation of the alleged debt. [ 2 ] The original signed contract bearing my signature and open date. [ 3 ] The complete payment history showing how the alleged amount was calculated. [ 4 ] The name and address of the original creditor. [ 5 ] Proof that you are legally authorize to collect in this state. [ 6 ] Proof of assignment or transfer of debt, to include chain of custody from the original creditor to your agency. [ 7 ] Notarized documentation proving your legal standing to collect this debt, Under U.S.C. 1681b [ Permissible Purpose ], you are also required to demonstrate ; that you had a legal and permissible purpose to pull or report any information regarding this account on my consumer report, reporting unverifiable, inaccurate, or incomplete information to to any credit bureau is a direct violation of 15 U, S, C, 168s-2 [ a ].

The continued reporting despite lack of substantiation constitutes willful and negligent noncompliance, which may trigger civil liability under FCRA 1681n and 1681o. I respectfully request that the CFPB investigate this matter and assist in having this derogatory mark/late fees removed from my credit report. This should not have occurred, and debit collector- Scott and Associates accountability must be addressed. Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-18 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: UT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
Despite having already paid more than the principal amount, I find myself owing over {$1000.00} more than the initial debt. The current interest and fees make it financially impossible for me to continue making payments on time. I have been making biweekly payments of {$82.00} for the past nine months. I only borrowed {$1200.00}, but Im still owing more than that according to the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. CXXXXe XXXX ( XXXX ) Debt collectors are legally obligated to adhere to 15 U.S. CXXXXe XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am submitting this complaint against XXXX XXXX for improperly reporting my federal student loan as delinquent and damaging my credit during an active Borrower Defense to Repayment ( BDR ) claim.

I submitted a Borrower Defense application through the U.S. Department of Education ( Case # XXXX ) regarding fraud committed by the now-closed XXXX XXXX XXXXXXXX XXXX , where I was enrolled for multiple programs from approximately XXXX to XXXX. 

Despite this, XXXX reported my loan as delinquent to TransUnion and XXXX  in XX/XX/XXXX. I submitted a formal dispute and supporting documentationincluding a legal letter from the Attorney Generals Office and my Borrower Defense case informationvia XXXX official upload portal on XX/XX/XXXX. 

XXXX failed to respond to my submission, did not mark my account as disputed, and provided no status update or acknowledgment of my credit dispute. Their boilerplate response ignored the documents I provided and did not address the issue. 

This failure to investigate or respond violates the Fair Credit Reporting Act and disregards my rights as a federal loan borrower with an active legal claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MN

Complaint narrative:
I am submitting this complaint against XXXX XXXX for improperly reporting my federal student loan as delinquent and damaging my credit during an active Borrower Defense to Repayment ( BDR ) claim.

I submitted a Borrower Defense application through the U.S. Department of Education ( Case # XXXX ) regarding fraud committed by the now-closed XXXX XXXX XXXX XXXX XXXX where I was enrolled for multiple programs from approximately XXXX to XXXX. 

Despite this, XXXX reported my loan as delinquent to XXXX  and Experian in XX/XX/XXXX. I submitted a formal dispute and supporting documentationincluding a legal letter from the Attorney Generals Office and my Borrower Defense case informationvia XXXX official upload portal on XX/XX/XXXX. 

XXXX failed to respond to my submission, did not mark my account as disputed, and provided no status update or acknowledgment of my credit dispute. Their boilerplate response ignored the documents I provided and did not address the issue. 

This failure to investigate or respond violates the Fair Credit Reporting Act and disregards my rights as a federal loan borrower with an active legal claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I never applied to portfolio company for a account. I do not own a account from portfolio, XXXX XXXX judgment, proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: UT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report. I check my report regularly and have never seen this before. I even refreshed my browser thinking it was a glitch, but the inquiry stayed. Im extremely frustrated and need this issue resolved immediately by thoroughly reviewing the documents Ive already submitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Chase XXXX  card was used fraudulently at XXXX XXXX via XXXX XXXX. I have never set up or used XXXX  XXXX, nor have I ever shopped at XXXX XXXX in XXXX XXXX. Chase initially refunded me but reversed it claiming the method of payment ( XXXX XXXX ) was proof of authorization, despite no evidence that I linked my card to any XXXX XXXX account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TO : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL NOTICE OF INTENT TO SUE FOR WILLFUL FCRA VIOLATIONS Failure to Block and Remove Fraudulent Accounts Resulting from Identity Theft To Whom It May Concern, This is a FINAL DEMAND and NOTICE OF INTENT TO SUE Experian Information Solutions , Inc., for multiple willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), for failing to block fraudulent accounts that I previously disputed as a victim of identity theft. 

I submitted the following to your office : A signed FTC Identity Theft Report A detailed written dispute identifying the fraudulent accounts A valid government-issued photo ID Proof of my current mailing address Despite your legal obligation to block and remove all fraudulent data within 4 business days of receiving proper documentation, you have failed to act. The following accounts, which were opened as a result of identity theft, are still being reported and are damaging my credit and reputation : Fraudulent Accounts Still Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experians continued reporting of these accounts is reckless, negligent, and in blatant violation of federal consumer protection laws. This has resulted in : Denial of credit opportunities Financial hardship Emotional distress Reputational harm DEMAND FOR RELIEF : I am formally demanding that you : Immediately and permanently block and delete all above-listed accounts. 

Provide me with written confirmation within 10 calendar days of this notice.

Prepare to compensate me {$1000.00} per account under 15 U.S.C. 1681n, totaling {$4000.00}, along with : Actual damages Attorneys fees and costs Punitive damages, as allowed by law If this matter is not resolved within 10 days, I will pursue civil litigation in state or federal court without further notice. I will also file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. 

You are legally accountable for your deliberate refusal to comply with the FCRA. The time for ignoring your obligations is over. 

Sincerely, 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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: NH

Complaint narrative:
On XX/XX/year> I paid my total balance of {$900.00} to this credit card company. At the beginning of XXXX, the credit card company emailed me about possible fraudulent activity to my account. I notified the credit card company and discussed the activity with them. Every charge to the account after XX/XX/year> we're not authorized by me. So they canceled my card and sent me a new card and started an investigation. I spoke to them several times about the status of the investigation which is currently not resolved. I now have a balance of {$410.00} on the account from fraudulent charges that the credit card company is telling me I need to make payments on and they are charging me interest. My credit score has dropped because of this and I do not know what to do to get a speedy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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