vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to file a formal complaint against Wells Fargo Bank , N.A . for their failure to adequately address and resolve {$2800.00} in fraudulent charges and approximately {$310.00} in accrued fees and interest on my credit card account ending in XXXX [ previously XXXX ]. These unauthorized transactions occurred after my XXXX was stolen on XX/XX/year>, while I was traveling in XXXX. 

I took immediate action upon discovering the theft. On XX/XX/year>, at XXXXXXXX XXXX  PDT, I promptly reported the unauthorized access and fraudulent transactions to Wells Fargo during a 57-minute phone call. I specifically reported nine fraudulent XXXX transfers and one fraudulent online transfer from XXXX. I also reported two attempted fraudulent money requests from XXXX XXXX. 

Further demonstrating my diligence, I contacted XXXX XXXX immediately after speaking with Wells Fargo and had subsequent follow-up communications with Wells Fargo XXXX XX/XX/XXXX and XX/XX/year>, to ensure these fraudulent activities were addressed. 

Initially, Wells Fargo issued a temporary credit of {$2800.00}. However, this credit was subsequently reversed on XX/XX/year>. The bank deemed the charges valid, a determination I strongly dispute and have provided evidence to contradict. 

The fraudulent nature of these charges is supported by the following : Unauthorized XXXX Activity : My XXXX statement shows three unauthorized attempts to withdraw {$900.00} each to an individual I do not know and never authorized. XXXX records would confirm these transactions are anomalous. 
No Prior Transactions with XXXX : XXXX can verify that my credit card had never been used for any legitimate transactions on their platform prior to this fraudulent charge. 

I formally disputed these charges with Wells Fargo, asserting my rights under the Fair Credit Billing Act ( FCBA ). I provided evidence of the fraudulent activity and demanded the removal of the {$2800.00} in unauthorized charges and the reversal of the {$310.00} in associated fees and interest. A copy of the detailed letter I sent to Wells Fargo outlining this dispute is the basis of this complaint. 

Despite my timely reporting and the clear indicators of fraud, Wells Fargo has failed to conduct a reasonable investigation and has unjustly reinstated the fraudulent charges and continues to accrue fees and interest. This constitutes a violation of the FCBA and has caused me significant financial distress and undue burden.

I have also filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. The FTC complaint tracking number is # XXXX. 

Thank you for your time and attention to this critical matter. 

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 2025-05-19 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: CA

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The bank has agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this account is fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
I am writing regarding some charge-offs being reported on my credit report for the following accounts. Per Law 15 USC 1681 ( e ) B credit reporting agencies have the responsibility to report maximum accuracy on my credit report. Since these items are charged off that means the IRS are considering them as cancelled/forgiven debt which I am no longer responsible for. Please remove these negative items from my report! 

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 2025-05-18 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: LA

Complaint narrative:
I am filing this complaint to report multiple inaccurate, unauthorized, and fraudulent accounts reporting on my credit file. These accounts are not mine, and I did not authorize their opening or use. 

I have filed an official identity theft report with the Federal Trade Commission ( FTC ). The report number is # XXXX. A police report is also being filed to support this claim. These accounts are negatively impacting my credit across all three bureaus and contain conflicting or unverifiable information. 

Under the Fair Credit Reporting Act, specifically FCRA 1681c-2, I am requesting the immediate blocking and permanent removal of these accounts. Some of the accounts I am disputing include : XXXX XXXX ( Charge-off, {$200.00}, inconsistent ) XXXX  ( Transferred account, inaccurate status ) XXXX XXXX ( {$12000.00} charge-off, inconsistent reporting ) XXXX XXXX  ( multiple listings with conflicting data ) XXXX XXXX  ( duplicate entries, collection ) XXXX XXXXXXXX, XXXX, XXXX XXXX and others In addition to the accounts listed above, I also found several hard inquiries that I did not authorize. These inquiries appear to be associated with the fraudulent activity and were not initiated by me. Please request that the credit bureaus remove the following inquiries : XXXX XXXX  ( Experian, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Experian, XX/XX/XXXX ) XXXX, XXXX, XXXX XXXX ( TransUnion, XX/XX/XXXX ) XXXX, XXXX  ( Equifax, XX/XX/XXXX ) These accounts and inquiries were not authorized by me and are contributing to the misuse of my credit profile. I request urgent investigation and removal in accordance with federal law. I am attaching a copy of my FTC identity theft report, my identification, and my current address documentation for your reference.

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 2025-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing regarding some charge-offs being reported on my credit report for the following accounts. Per Law 15 USC 1681 ( e ) B credit reporting agencies have the responsibility to report maximum accuracy on my credit report. Since these items are charged off that means the IRS are considering them as cancelled/forgiven debt which I am no longer responsible for. Please remove these negative items from my report! 

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 2025-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing regarding some charge-offs being reported on my credit report for the following accounts. Per Law 15 USC 1681 ( e ) B credit reporting agencies have the responsibility to report maximum accuracy on my credit report. Since these items are charged off that means the IRS are considering them as cancelled/forgiven debt which I am no longer responsible for. Please remove these negative items from my report! 

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 2025-05-18 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MD

Complaint narrative:
I submitted a formal dispute letter to Discover Bank  on XX/XX/year>, regarding an inaccurate charge-off being reported on my credit reports for account number XXXX. In my letter, I detailed specific violations of the Fair Credit Reporting Act ( FCRA ), including : Reporting inaccurate and misleading information to the consumer reporting agencies ; Failing to correct or investigate the dispute ; Possibly engaging in duplicate reporting, which inflates my debt-to-credit ratio and creates the false impression of multiple delinquencies ; Reporting a charge-off as ongoing debt when such charge-offs are considered income per IRS classification and should not remain in collection status. 

To date, Discover Bank has not provided any written response to my dispute, nor have they acknowledged receipt or acted to resolve the matter. Instead, they fraudulently updated the account status with the credit bureaus to say consumer disputes this account without addressing my concerns or sending any communication to me. 

This is a clear violation of FCRA provisions, particularly 15 U.S.C. 1681s-2 ( a ) and ( b ), which require furnishers of information to investigate disputes and ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX Account XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I deposited a check from the IRS totaling {$54000.00} into my business checking account At fifth third Bank. The bank informed me that the funds would be available within three business days. However, upon logging into my account the second day, I discovered that my account was frozen, holding my existing funds and the check I had deposited. 
I inquired with the branch manager, who informed me that the hold was in place for security reasons. The bank assured me that the hold would be lifted within seven business days. After seven days, I checked my account and found that it was still frozen. Consequently, I contacted the fraud prevention department, who advised me that the hold would remain until XX/XX/XXXX. 
Upon checking my account again after XX/XX/XXXX, the branch manager informed me that he had spoken with the front prevention department, which had extended the hold until 45 days. The hold was attributed to the banks pending response to the check. I contacted the IRS, who confirmed that the check had been cashed. However, I inquired about any notifications from the bank regarding the check, and they informed me that no such notifications had been received. 
On XX/XX/XXXX, my account was closed, and the bank informed me that the funds had been remitted to the IRS on XX/XX/XXXX. I submitted a Form 3911 to trace the checks status. On XX/XX/XXXX, I contacted the IRS again to inquire about the status of the Form 3911. They informed me that the funds were still with the bank and that it could take up to 120 days to send them back to the IRS. 
Therefore, I am seeking assistance in resolving this issue. It has been over a month since I initiated these processes, and each time a document was requested, I provided the necessary documentation. Unfortunately, I have not received any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally request the immediate removal of fraudulent information from my credit file. I have been a victim of identity theft, and there are multiple unauthorized accounts and inquiries listed on my credit report that I did not apply for or authorize. These entries are incorrect and do not pertain to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Enclosed with this letter, you will find a list of the disputed items, along with a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) as supporting documentation. 

I kindly request that you investigate these matters and take the necessary steps to delete these fraudulent items from my credit report. I would appreciate your prompt attention to this matter, and I request written confirmation once these corrections have been made. 

Thank you for your time and 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 non-monetary relief
Consumer complaint received 2025-05-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally request the immediate removal of fraudulent information from my credit file. I have been a victim of identity theft, and there are multiple unauthorized accounts and inquiries listed on my credit report that I did not apply for or authorize. These entries are incorrect and do not pertain to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Enclosed with this letter, you will find a list of the disputed items, along with a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) as supporting documentation.

I kindly request that you investigate these matters and take the necessary steps to delete these fraudulent items from my credit report. I would appreciate your prompt attention to this matter, and I request written confirmation once these corrections have been made. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
XXXX XXXX account XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation