vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: GA

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 4 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.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This account inaccurate never had this of file this is a remark reported on my file damaging to my credit I am a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On Tuesday, XX/XX/XXXX, I called Wells Fargo Bank requesting the closure of my checking account. I noticed that Wells Fargo had raised their daily balance amount to avoid a monthly maintenance fee from {$500.00} to {$1500.00} ( I have attached a picture of this new change ). I spoke with a customer service representative to request the closure ( I have attached a picture of details of the call, which lasted about XXXX minutes ). The representative refused to close the account and said that I had to do it in person in one of the bank branches. I explained to the representative that it wasn't possible because I was XXXX and would be XXXX  from a while ( I still am ). The representative still refused to close my account, at which point, I asked for a superior. The superior gave me the same answer. Unable to close my account, I decided to move all my funds out of my checking account, leaving {$0.00} in the account ; according to Well Fargo 's " Deposit Account Agreement '' on page XXXX ( I have attached a copy of the agreement ), the bank can close an account at any time. The agreement emphasizes that they can close an account with a XXXX balance without prior notification to the customer. Therefore, it begs the question, if I requested closure of my checking account, and the balance of my account is {$0.00}, why wouldn't Wells Fargo close my checking account? This week, I noticed that they have also charge a maintenance fee of {$10.00}, even though the account had a XXXX balance. As a result, now I have a negative balance in the account. Keep in mind that big banks like Wells Fargo have multiple ways to verify a customer identity, but they insist I must go to a branch in person even though I am unable to do so because I am overseas. Thank you for taking this matter seriously. Your assistance is appreciated.

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 monetary relief
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-10-22 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: OH

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
RE : Follow-up Complaint / Company Non-Compliance : E * TRADE / Morgan Stanley Private Bank , N.A. 
Original Case Nos : XXXX, XXXX Account : Premium Savings Account XXXX To Whom It May Concern : I am writing in follow-up to the complaints listed above. On XX/XX/2025, I received a formal response from the Morgan Stanley Private Bank, N.A. Compliance Department through the CFPB portal regarding my restricted account.

In their letter, the bank provided exactly one path to resolve the restriction on my account and withdraw my funds. Their letter states : " To resolve the restriction, A three-way telephone call with the issuing bank must be completed prior to withdrawal of the deposited funds. '' I have made multiple, good-faith attempts to comply with this specific requirement. I have repeatedly called the Morgan Stanley Private Bank account activation department at XXXX, which is the department responsible for such matters, to initiate this exact three-way call. 
The staff at the Morgan Stanley Private Bank account activation department has explicitly refused to take my phone call. They state they are unable to help me, can not talk with me, directly contradicting the resolution provided by their own Compliance Department.

This has created an imposs
ible " catch-22 '' situation. E * TRADE / Morgan Stanley Private Bank is holding my funds, has provided a single, mandatory p
ath to resolution in their official response to the CFPB, and is now internally preventing me from completing that one path.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: VA

Complaint narrative:
Velocity Investments , LLC is attempting to collect a loan that was already subject to a performing written settlement. Without notice, it blocked all payment channels, refused to document the hold, and continued collection while failing to provide FDCPA-compliant validation or a ledger reconciling the judgment, my {$10000.00} settlement payment, and its {$9300.00} demand. These actions are unfair and misleading under the FDCPA, including 1692g ( a ) ( b ), 1692e, and 1692f, and effectively manufacture a default by preventing performance.

Timeline XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00}. 
XX/XX/XXXX Default judgment entered : {$19000.00} ( principal ). 
XX/XX/XXXX Written settlement reached for {$13000.00} ( {$10000.00} down + $ XXXX ) ; {$10000.00} paid. 
XXXX XXXX {$170.00} autopay installments. 
XX/XX/XXXX XXXX sold/transferred the account to Velocity ( Purchase Notice with XXXX XXXX ID ). No direct communication from Velocity at/after transfer. 
XX/XX/XXXX I received a generic XXXX transfer letter ( not from Velocity ) with the wrong effective date ; autopay was stopped by XXXX without my request, disrupting settlement performance. 
XX/XX/XXXX I sent Velocity a validation request ( transaction-level ledger ; ownership/authority ; restore payment access ). I also wrote XXXX and XXXX response. 
XX/XX/XXXX XXXX letter acknowledging my dispute ; identifies Velocity as current creditor and lists {$9300.00}. No Reg F-compliant itemization or ledger, no assignment/chain of title. Directs payment. XXXX ; links did not work and payment access remained blocked. 
XX/XX/XXXX First communication from Velocity by text stating the account was transferred. No written 1692g validation within five days and no compliant validation to date. 
XXXX Series of texts from Velocity/agent ; links never worked ( no access to any notice/ledger ). When I called, agents said the account is on hold but refused to provide anything in writing or explain the reason. 
XX/XX/XXXX I sent a follow-up demand ; response recycled the same incomplete/incorrect information. 
XX/XX/XXXX Final written demand citing FDCPA 1692g ( and noting 15 U.S.C. 1666 for discrepancies ). Still no compliant response ; payment access blocked ; no written notice of any hold. 
To date ( XX/XX/XXXX ) No complete ledger, no assignment/authority docs ( including XXXX XXXX ), and no written notice explaining the payment block. Collection continues at a wrong amount while I am prevented from paying. 
Settlement performance & math ( snapshot ) Settlement XX/XX/XXXX : {$13000.00} = {$10000.00} down ( paid XX/XX/XXXX ) + $ XXXX beginning XX/XX/XXXX. 
Any higher claim must be reconciled by a full ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 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 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 2025-10-22 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: NY

Complaint narrative:
I am filing this complaint against Experian, XXXX and XXXX for their reckless and unlawful reporting of multiple inaccurate and previously deleted charge-off accounts. 

The following accounts are being falsely reported on my credit file : XXXX  Account # XXXX ( Reported from XXXX to XXXX ) XXXX XXXX XXXX Account # XXXX ( Reported XXXX XXXX XXXX XXXX ) XXXX Account # XXXX ( Reported from XXXX to XXXX ) These tradelines were previously deleted after prior disputes, yet have been reinserted without proper notice, documentation, or verification as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a willful violation of the Fair Credit Reporting Act and a blatant disregard for federal law.

The bureaus have also violated 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to assure the maximum possible accuracy of the information they report. Continuing to publish these charge-off accounts, knowing they were previously removed for inaccuracy, shows gross negligence and reckless disregard for the truth.

No written notice was provided within XXXX business days of reinsertion, as required by law, nor was any documentation presented to validate the alleged debts. This means these reinvestigations were legally defective and procedurally void.

Their actions have caused ongoing harm to my creditworthiness, emotional distress, and financial loss. This is not a mere reporting error it is a systemic violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Notice of Intent to Sue for Sham Reinvestigation Violations of the Fair Credit Reporting Act ( FCRA ) Dear trans Union, XXXX Department, This correspondence serves as my formal Notice of Intent to Sue XXXX XXXX XXXX XXXX XXXX for willful and negligent violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 I lawfully submitted one or more disputes concerning inaccurate and/or unverifiable information appearing on my XXXX  credit file. In accordance with 15 U.S.C. 1681i ( a ), XXXX  is required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate, and to promptly delete or correct any data that can not be verified. 

Despite this clear legal obligation, XXXX failed to perform a genuine reinvestigation. Instead, it appears that XXXX conducted a sham or automated reinvestigation, merely confirming the disputed items through superficial electronic verification without obtaining or reviewing original source documentation. This process is inadequate, unlawful, and constitutes a breach of your statutory duties under the FCRA. 

Furthermore, your verified responses failed to include the method of verification and the furnishers identifying information, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This omission denies me the right to understand how the reinvestigation was conducted and prevents me from exercising my consumer rights to dispute inaccurate data further. 

Your companys continued reporting of false and unverifiable information has caused me significant harm, including but not limited to : Damage to my credit score and creditworthiness Denial of financial and housing opportunities Emotional distress and anxiety Reputational damage I am demanding the following immediate corrective actions : 1. A complete and documented reinvestigation of all disputed items, performed in full compliance with FCRA 1681i. 
XXXX. Removal or correction of any item that can not be verified with original, documented proof from the furnisher of information. 
XXXX. A detailed written disclosure of the method of verification used in your prior reinvestigation. 
XXXX. Compensation for damages caused by your willful and negligent violations of the FCRA. 

If XXXX fails to resolve this matter within XXXX calendar days of receipt of this letter, I will proceed with civil litigation pursuant to 15 U.S.C. 1681n and 1681o, seeking : Statutory damages for willful noncompliance Actual damages for financial and emotional harm Punitive damages for reckless disregard of consumer rights Court costs and reasonable attorneys fees This letter serves as final notice prior to the initiation of legal action. I strongly urge XXXX  to take this matter seriously and correct its ongoing violations immediately.

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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been using Bank of Americas XXXX XXXX credit card and have had automatic payments set up through XXXX XXXX for several years without issue. 

On XX/XX/year>, I received an email from Bank of America titled Action Required : Make alternate payment arrangements for your recent Bank of America credit card payment. The email stated : During a recent review, we identified that your Bank of America credit card XXXX was not delivered. Since you're enrolled in our auto payment service, your payment related to this XXXX will not be processed. We apologize for any inconvenience this may cause. 

The message instructed me to make alternate payment arrangements manually. This email clearly acknowledges that I had an active automatic payment set up. However, when I logged into my account that same day, I discovered that Bank of America had already charged me a late fee on XX/XX/XXXX, XXXXbefore I was ever notified that my automatic payment had been canceled. 

I immediately made a one-time payment on XX/XX/XXXX to cover the full overdue statement balance. Despite doing this promptly, Bank of America then charged interest on purchases on XX/XX/year>, as if I had failed to pay on time. 

To resolve the issue, I called Bank of Americas customer support line. After waiting over XXXX minutes and entering multiple pieces of information through the automated system, the call was abruptly disconnected before I could speak with an agent. I tried again and experienced the same issue. 

I believe Bank of Americas actions represent unfair and deceptive practices for the following reasons : They make setting up automatic payments unnecessarily cumbersome. 

They canceled my automatic payment without proper advance notice or explanation, then charged a late fee and interest immediately after. 

Their customer service system provides no meaningful avenue for resolving these issues ; my call was disconnected without assistance.

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 monetary relief
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-22 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES 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 explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-22 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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