vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as FINAL NOTICE regarding your willful noncompliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Unlawful reporting of inaccurate, outdated, or unverifiable information Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibition of deceptive and unfair practices Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 Enforcement against unfair or misleading credit reporting Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Protection against fraudulent or misrepresented debt IMMEDIATE ACTION REQUIRED : I demand the immediate removal of the following dismissed and erroneous records from all reports, databases, and screenings associated with my file : Case Numbers to Be Expunged : XXXX XXXX Properties to Be Removed from My Records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These cases have been legally dismissed, and I owe no outstanding balance to any company. Your continued reporting of this data is fraudulent, negligent, and a direct violation of federal law. 

LEGAL LIABILITY & ESCALATION NOTICE Your failure to correct these records despite prior notices constitutes reckless disregard for federal compliance, causing financial harm and reputational damage. 

If these errors are not fully corrected within 24 hours, I will escalate the following actions without further notice : 1. Litigation Filing suit for violations under the FCRA, CFPA, and FTCA, seeking damages for financial harm, distress, and punitive measures 2. Regulatory Action Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Justice ( DOJ ), and State Attorney Generals Office 3. Congressional Oversight Contacting federal representatives to report systemic failures in compliance and consumer rights violations 4. Media Exposure Submission to consumer watchdog organizations, legal advocacy groups, and investigative journalists for national awareness CONFIRMATION REQUIRED I demand the following within 24 hours : 1. Written confirmation via email that all inaccurate records have been permanently deleted 2. Legal acknowledgment that I am fully opted out of all negative reporting 3. Copies of all updated screenings and reports reflecting accurate and legally compliant information Failure to comply will result in immediate legal and regulatory action. This letter serves as final notice before formal proceedings begin. 

You are hereby legally bound to comply with all applicable federal and state laws. 

Sincerely, XXXX XXXX I prefer electronic correspondence for efficiency and timely responses.

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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX please add this to cfbp case number XXXX I need a update on my recent XXXX dispute claim I filled if it was denied reopen it or appeal it to have it reopen and investigation again because I disagree with the decision and send me its new decision when I is investigated again and also please dispute all the payments that make my account negative and credit any overdraft fees and atm fees and other fees back and dispute them fraudulent unauthorized for all the transactions thats made my account negative and provided me it disputes claim number and if they all denied reopen them or appeal them to get them reopen and investigation again because I disagree with its decision and XXXX still want help me with payment issue they keeping saying they cant dispute personal payments and keep telling me to contact my card issuer when I keep telling them I already did but they denied it so I need yall to reopen my XXXX dispute claim for {$32.00} or appeal it to be reopen and investigation and change the dispute type to fraudulent unauthorized and send me its new decision or send me a onetime credit for the {$32.00} because I really need it back and a XXXX credit to waive the negative balance to {$0.00} and send me proof when the negative balance is waived and credit to {$0.00} etc my checking account number is checking account number is XXXX and saving account number is XXXX etc

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 2025-03-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Child Supoort showing negative/ past due / delinquent balance on my credit report.

15USC 1681 I States that a consumer has the right to dispute any item on the consumer report that is innacurate or unverifiable. The same law says a consumer reporting agency has to investigate the dispute if it returns back claiming to be accurate, that would imply an investigation was done. It should have been investigated prior to appearing on my credit report. However it could not be verified because the case law says it should not be on a credit report. Therefore proving an investigation never took place prior to it being applied to my credit report. Failure to investigate is a breach and a violation of 15USC 1681 i This has caused me several declines of credit, business opportunities, embarrassment, stress, car loans, home approvals and job denials based off of a low credit score. 
GET IT OFF MY CREDIT REPORTS! Transunion, Equifax, Experian and XXXX XXXX XXXX XXXX are all XXXX parties involved. 

1581 Usc 1681N states that is Civil Liability ; causing me emotional damages of well over I would like for it to be removed immidiately from all XXXX of my credit reports. And for all agencies involved to provide me remedy in the cash amount of XXXX $ paid to me within 60 days. By check by mail to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX as XXXX of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute and Debt Validation Request - XXXX : ( XXXX XXXX XXXX ) Dear XXXX XXXX XXXX, This letter is to formally dispute the alleged debt you are attempting to collect, purportedly purchased from XXXX XXXX . I am requesting full validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

I am aware that you have acquired this alleged debt from XXXX XXXX. However, I have no contractual agreement, either verbal or written, with XXXX XXXX XXXX. Therefore, I consider this debt to be null and void. 

Pursuant to 15 U.S.C. 1692g, I am requesting the following documentation to validate this alleged debt : A complete and detailed payment history for this account. This must include all payments, credits, and debits from the original date of the account 's inception with XXXX XXXX 
A copy of the original signed contract bearing my signature that I allegedly entered into with XXXX XXXX. This is necessary to verify the legitimacy of the debt and my agreement to its terms. 
Confirmation of whether any insurance claims have been filed or paid regarding this debt. If such claims exist, please provide documentation. 
A complete chain of title demonstrating your legal right to collect on this debt. This must include documentation showing the transfer of the debt from XXXX XXXXXXXX  to XXXX XXXX XXXX. 
In addition to the debt validation requests outlined above, I demand that XXXX XXXX XXXX immediately cease reporting this account to all credit reporting agencies. Furthermore, should you be unable to validate this debt as requested, I demand that you immediately notify all credit reporting agencies to which you have reported this account and request that they delete all information related to this account from my credit reports. 

Please be advised that under 15 U.S.C. 1692g, if you fail to provide the requested validation within 30 days of receipt of this letter, you must cease all collection activities. Furthermore, the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Additionally, pursuant to 15 U.S.C. 1692c, this letter serves as formal notification that I refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter.

Please provide all requested documentation to the address listed above.

I expect your prompt attention to this matter.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX as XXXX of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute and Debt Validation Request - XXXX : ( XXXX XXXX XXXX ) Dear XXXX XXXX XXXX, This letter is to formally dispute the alleged debt you are attempting to collect, purportedly purchased from XXXX XXXX . I am requesting full validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

I am aware that you have acquired this alleged debt from XXXX XXXX. However, I have no contractual agreement, either verbal or written, with XXXX XXXX XXXX. Therefore, I consider this debt to be null and void. 

Pursuant to 15 U.S.C. 1692g, I am requesting the following documentation to validate this alleged debt : A complete and detailed payment history for this account. This must include all payments, credits, and debits from the original date of the account 's inception with XXXX XXXX 
A copy of the original signed contract bearing my signature that I allegedly entered into with XXXX XXXX. This is necessary to verify the legitimacy of the debt and my agreement to its terms. 
Confirmation of whether any insurance claims have been filed or paid regarding this debt. If such claims exist, please provide documentation. 
A complete chain of title demonstrating your legal right to collect on this debt. This must include documentation showing the transfer of the debt from XXXX XXXXXXXX  to XXXX XXXX XXXX. 
In addition to the debt validation requests outlined above, I demand that XXXX XXXX XXXX immediately cease reporting this account to all credit reporting agencies. Furthermore, should you be unable to validate this debt as requested, I demand that you immediately notify all credit reporting agencies to which you have reported this account and request that they delete all information related to this account from my credit reports. 

Please be advised that under 15 U.S.C. 1692g, if you fail to provide the requested validation within 30 days of receipt of this letter, you must cease all collection activities. Furthermore, the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Additionally, pursuant to 15 U.S.C. 1692c, this letter serves as formal notification that I refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter.

Please provide all requested documentation to the address listed above.

I expect your prompt attention to this matter.

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 2025-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A fraudulent checking account was opening in my name in XXXX. I notified Citi bank they opened a fraudulent account and were processing fraudulent transactions in my name. From my knowledge, they closed the account and that was that. Now for XXXX tax year, I receive a 1099-C for cancellation of debt from an over drafted account. This is the only thing I believe this can relate to. When calling, no one can find any account information on me or confirm I was issued a 1099-C.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : Wells Fargo Account number : XXXX Dates reporting NOT Accurate : XXXX Please fix this immediately as it is hurting my chances of buying a new and these late payments are NOT Accurate. 

Thanks for your help, 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 2025-03-03 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do
this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do
this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have filled a report to clarify the incorrect information that has been sent by the credit bureau through my email. I am writing to formally dispute an error on my credit card statement. I have requested a further investigation regarding this matter but the problem became disregarded by the company. I appreciate your prompt attention regarding this matter.Iin addition, I would like a confirmation receipt to keep me notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/year> Capitol One sent me a pre aprroval for a credit card which SAVOR card.. My credit has a freeze on it at all times so I must call and release the freeze before someone can run my credit. Which at the time I called Capitol One, and was told by their representative I needed to call XXXX and unfreeze my credit to be approved for the card. Which I did at the time. However, I call them and told them I had unfroze my credit to apply for credit card with Capitol One and I only wanted to unfreeze my credit for that one day. Which I've a high credit score in the XXXX 's. At the time I was told once it was unfrozen to call them back for the approval which I did. They told me at the time they couldn't approve me due to me not unfreezing all three of my credit reports with XXXX, XXXX and XXXX. However, when I applied I wasn't told this at the time. Also I wasn't informed at the time this was going to be a hard pull on my credit and didn't find out until I contacted them back. I'm very unhappy with the process and and feel that consumers are being mislead with them sending out these pre approvals .It also brings your credit score down tremendously with those hard pulls and can remain on your credit for over two years. 
I contacted them about the matter and they were very nasty about the situation and told me it would remain on my credit report. I contacted XXXX also and let them know what Capitol One is doing to consumers and should make people aware. I've exceptional credit and want to keep it like that. Please help me to get this hard pull off my credit. And stop them from misleading consumers with these preapprovals. False advertisements!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Bank of America regarding the mishandling of my credit card account closure. The account in question, ending in XXXX, was supposed to be closed after I made the agreed-upon payment by the specified deadline. However, despite fulfilling my obligations, the account was not closed as promised. 

We did not realize the account was still open until this morning when my wife mistakenly used the card, assuming it had been closed. This has caused unnecessary confusion and frustration, as we had taken steps to resolve this matter in good faith. 

This is the second time we have experienced issues with Bank of America failing to properly close an account. Previously, the bank mistakenly closed the wrong account, adding to our frustration and eroding our confidence in their ability to manage our accounts correctly. These repeated failures are unacceptable. 

I have made every effort to resolve this issue directly with Bank of America, yet the problem remains. Given these repeated mishandlings, I am strongly considering closing all of my accounts with Bank of America. 

I request the CFPBs assistance in ensuring that Bank of America upholds its commitment by properly closing the credit card account ending in XXXX as was originally agreed. I also seek written confirmation from the bank that the account has been closed with no further obligations on my part. 

Please let me know if any additional information is required. I appreciate your time and attention in helping resolve this matter. 

Sincerely, 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief