vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I noticed National Credit Systems reported a collection account on my credit report for {$660.00} debt allegedly owed to The XXXXXXXX XXXX in XXXX, TX. This charge was never validated and stemmed from alleged paint-related wear and tear after my move out, which under Texas law XXXX not billable to tenants. 

I sent several disputes, requesting validation, invoices, and proof of damages by certified mail, however XXXX failed to provide documentation. 

On XX/XX/year>, the property XXXX confirmed via email that the charge was invalid and requested XXXX to update my account and refund the remainder of my deposit. I have video proof of the apartment being left in good condition. 

The reporting of this invalid debt has caused stress, financial harm, and out of pocket costs, as I attempted to protect my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
For savings Account # ending in XXXX, I have contacted the XXXX, XXXX  and XXXX, XXXX  locations by phone several times. They keep calling me and say they will resolve matters but unfortunately every time they call back, they ask for the same information from me but then do nothing. 

The bonus promotion offer criteria was fulfilled. I noted that they should honor it or I want to close the account and receive all funds immediately. 

Since XX/XX/XXXX, they have not called me back. 

Banks run way too many promotions, spamming people with good credit ratings like myself. To then not honor the offer and claim they can't find the code and submission from over 4 months ago is unnacceptable. 

I signed up for the offer to deposit {$100.00} or more, three consecutive months, and the online banking system had a pop-up that said " Congrats for signing up '' and there was no code or way to capture the enrollment confirm in the online banking system. 

For four months straight ( one extra than required ), I have deposited XXXX  or more every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
Accounts : XXXX XXXX, XXXX * XXXX XXXX XXXX XXXX * XXXX This letter serves as a formal follow-up to my prior dispute concerning inaccurate information listed on my credit report, specifically the account noted above. I was informed by your office that this item was verified, yet no details regarding the method or scope of that verification were provided.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are legally obligated to conduct a reasonable reinvestigation and must provide the following : 1. The method of verification used to verify the accuracy of this account ; 2. The name and contact information of the data furnisher who verified the account ; 3. Proof that a reasonable investigation was conducted, including what documentation was reviewed.

Please be advised that simply stating the item was verified is insufficient. Without supporting evidence or documentation, your agency is not in compliance with the FCRA. Failure to provide the requested information and maintain accurate reporting may constitute a willful violation of federal law, subjecting your agency to damages under 15 U.S.C. 1681n and 1681o.

Accordingly, I request the following actions : - Immediate deletion of the disputed account if you can not substantiate its accuracy ; - A complete written response with the above requested verification information within 15 days.

Please consider this a formal request for compliance, and keep all documentation related to your reinvestigation for legal purposes. I am prepared to escalate this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal remedies if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter serves as a formal follow-up to my prior dispute concerning inaccurate information listed on my credit report, specifically the account noted above. I was informed by your office that this item was verified, yet no details regarding the method or scope of that verification were provided. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are legally obligated to conduct a reasonable reinvestigation and must provide the following : 1. The method of verification used to verify the accuracy of this account ; 2. The name and contact information of the data furnisher who verified the account ; 3. Proof that a reasonable investigation was conducted, including what documentation was reviewed.

Please be advised that simply stating the item was verified is insufficient. Without supporting evidence or documentation, your agency is not in compliance with the FCRA. Failure to provide the requested information and maintain accurate reporting may constitute a willful violation of federal law, subjecting your agency to damages under 15 U.S.C. 1681n and 1681o.

Accordingly, I request the following actions : - Immediate deletion of the disputed account if you can not substantiate its accuracy ; - A complete written response with the above requested verification information within 15 days.

Please consider this a formal request for compliance, and keep all documentation related to your reinvestigation for legal purposes. I am prepared to escalate this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal remedies if necessary.

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 2025-06-21 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: MI

Complaint narrative:
Good morning i am complaining about the fraudulent accounts on my credit report. 
This CFPB complaint had been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days. This fraudulent and inaccurate information consist and account opened on XXXX by the name of XXXX XXXX XXXX account number ( XXXX ), an account opened on XXXX by the name of XXXX XXXX XXXX account number ( XXXX ), and an account opened on XXXX by the name of XXXX XXXX XXXX account number ( 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 2025-06-21 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: MI

Complaint narrative:
Good morning i am complaining about the fraudulent accounts on my credit report. 
This CFPB complaint had been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days. This fraudulent and inaccurate information consist and account opened on XXXX by the name of XXXX XXXX XXXX account number ( XXXX ), an account opened on XXXX by the name of XXXX XXXX XXXX account number ( XXXX ), and an account opened on XXXX by the name of XXXX XXXX XXXX account number ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Dave Operating, LLC
State: FL

Complaint narrative:
On XX/XX/year> I received an email notifying me that there was suspicious activity on my account and that it was locked. They requested confirmation of my identity, I provided that info. Hours later that same day I received an email notifying me that my account was closed. No other information was provided, there is no way to call customer service without an active account and all emails sent have no response from the bank. The account was closed with XXXX dollars in it and no info was provided on how to recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I made a deposit for {$100000.00}. It was originally a counter credit and credited to my account the next day then the next day they put a hold on it for 10 days the check actually cleared the clients account the following business day Bank of America is saying that theres nothing that they can do to free up the funds even though theyve cleared the clients account almost a week ago.

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 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, Re : Formal Dispute of Fraudulent and Unverified Accounts on My Credit Report I am writing to dispute the inclusion of fraudulent and unauthorized accounts on my credit report.

These accounts were opened or reported without my knowledge or consent and are being contested under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

This is a formal request for investigation, deletion, and proper validation of the following accounts : Disputed Fraudulent Accounts : 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 XXXXXXXX Legal Basis for My Dispute : 1. * * 15 U.S.C. 1681b - Permissible Purpose * * Please provide documented proof that these entities had a permissible purpose to access or report my credit information. If no such purpose can be established, these accounts must be deleted. 2. * * 15 U.S.C. 1681s-2 - Duties of Furnishers of Information * * Furnishers are required to ensure the accuracy of the information they report. If these accounts can not be verified with credible evidence, they must be removed immediately from all credit reports. 3. * * 15 U.S.C. 1692g - Debt Validation * * As these may be alleged debts under collection, I am requesting full validation including : - The name and contact of the original creditor - A full itemization of the amount claimed - Proof that I am legally obligated to pay If the debt can not be validated, all reporting and collection efforts must stop, and the accounts must be removed. Requested Action : - Conduct a complete investigation into the listed accounts - Provide all supporting documentation of their legitimacy and permissible purpose - Permanently delete any account that can not be verified or validated - Provide written confirmation of the results of your investigation Please complete this investigation and respond within 30 days as required by federal law. If these accounts are not removed or validated properly, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney General.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of addresses that I would like to have permanently deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> my account was overdrawn by {$1200.00} with XXXX transactions XXXX XXXX  and XXXX pay in XXXX. I received an email stating I had until XX/XX/year> before XXXX XXXX XXXX to bring the account current before any overdraft fees were assessed. 
On XX/XX/XXXX at XXXX XXXX XXXX my payroll came in the amount of {$740.00} plus I made two zelle transfers in the amount of {$490.00} and {$0.00} which brought my account to a positive standing regarding those two transactions that my account was negative. 
On XX/XX/year> I received an overdraft fee in the amount of {$35.00} and the bank stated it was due to the {$0.00} zelle transfer not posting until the XXXX of XXXX. I asked them how do you tell me that on the XXXX all transfers were applied except for XXXX to conveniently cause my account an overdraft fee for {$0.00} After requesting to speak to a supervisor I came to the realization that Wells Fargo is notorious for doing this to their customers hence the various lawsuits they have had placed on them in the past and current day. 
Honestly, Wells Fargo thrives on scheming their long term customers with overdraft fees and I think another class action lawsuit needs to be initiated which I intend to look into that as well. 
Every XXXX is trying to survive in this economy and Wells Fargo is thriving on the back of hard working Americans by manipulating the extra day grace period to fill their pockets with overdraft fees. Shame on this company.

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 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Mercury Technologies, Inc.
State: WY

Complaint narrative:
Our business account with Mercury Bank was closed in XX/XX/year> without a clear explanation. Mercury issued a check for the remaining balance of {$24000.00}, which they claim was sent on Friday, XX/XX/year>. However, we never received the check, and since we are located internationally, we are unable to cash it even if we had. 

We have repeatedly contacted Mercury requesting the funds be reissued via bank transfer ( ACH or wire ), as the check is now expired and unusable. Their general support team informed us that, because the account is closed, only the compliance department can handle such requests. However, despite multiple attempts to reach out, we have not received any response from the compliance team. We are seeking assistance in receiving our funds through a valid and accessible method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) as a verified victim of identity theft, unauthorized personal data usage, and inaccurate credit reporting. 

On XX/XX/ 2025, I submitted dispute letters to Experian addressing multiple violations including : - Fraudulently reported or factually inaccurate accounts - Improper status updates and re-aging of debt - Inaccurate personal identifiers ( name, address, employer ) - Hard inquiries that I did not authorize - Failure to notify or validate debt under the FDCPA My dispute packets included all required documentation as outlined under FCRA 605B, including : - FTC Identity Theft Report - Government-issued ID - Proof of address - Highlighted disputed information These actions ( or inactions ) by the credit bureaus violate multiple statutory obligations, including : - FCRA 605B : Failure to block identity theft-related data within 4 business days - FCRA 611 : Failure to conduct a reasonable investigation and delete unverifiable data within 30 days - FCRA 602 ( a ) : Failure to ensure maximum possible accuracy in credit reports- FCRA 609 ( c ) : Failure to provide proper notice of consumer rights- 15 U.S. Code 1681 : General violations of the FCRAs requirements for consumer reporting - 15 U.S. Code 1602p : Misuse of personal identifying information - 15 U.S. Code 1666b : Inaccurate billing and timeline misreporting ( including re-aging of accounts ) - 15 U.S. Code 1692c ( FDCPA ) : Debt collectors reporting without prior communication or notice to the consumer I am filing this complaint proactively to ensure full legal compliance and the protection of my credit profile.

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 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
Recently I checked my credit report and noticed I had been a victim of indentity theft. I found a credit account that I didnt know about it. Here is the account : DISCOVER CREDIT CARD. XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief