vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Subject : Unauthorized Withdrawal on Wells Fargo Account and Denied Claims Dear Sir/Madam, I am writing to formally file a complaint regarding my account with Wells Fargo Bank XXXX Recently, I discovered an unauthorized withdrawal from my account, which I promptly reported to Wells Fargo. Despite providing all necessary information and evidence, Wells Fargo denied my claims and did not take appropriate action to resolve the issue. 

Due to their refusal to address the unauthorized transaction and failure to protect my account, I was left with no choice but to close my account with Wells Fargo. 

I am requesting the Consumer Financial Protection Bureau to investigate this matter to ensure that Wells Fargo is held accountable for their lack of support in resolving this fraudulent activity on my account. I also seek assistance in recovering the lost funds and ensuring better protection for consumers in similar situations. 

Thank you for your attention to this matter. Please feel free to contact me if you need any further information or documentation.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
RE : FRAUDULENT AND WAIVED ADVANCE FEE OF {$1700.00} DEMAND FOR CORRECTION AND REMEDY To Whom It May Concern : This letter is to formally dispute and demand immediate remedy for the unauthorized and fraudulent {$1700.00} fee charged to me, [ Your Name ], as part of a XXXX XXXX XXXX XXXX  XXXX ) transaction facilitated by your company. 

This fee was explicitly agreed to be waived under the terms of XXXX subsequent contracts signed and acknowledged by both parties. The lender also communicated that the {$1700.00} charge was illegal and therefore should not have been processed. Your continued assertion or retention of this fee constitutes a deceptive and unfair trade practice, in violation of consumer protection laws. 

The original " XXXX XXXX XXXX '' document issued by your company has proven to be predatory in nature, using misleading terms and practices to manipulate the borrower into unfair obligations. As a result, both the validity of the original agreement and the fee in question are now in dispute. 

I demand the following actions be taken immediately : Full and immediate refund of the {$1700.00} fee, which was agreed to be waived and never legally enforceable ; Written confirmation that the fee has been reversed and will not be pursued in any capacity moving forward ; Cease and desist from any further attempts to enforce or collect on this fraudulent fee.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I want my report clean up credit company sued for this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MS

Complaint narrative:
I want my report clean up credit company sued for this inaccurate information

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 2025-05-27 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: MA

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion continue to report inaccurate, unverifiable, and conflicting information on my credit report despite XXXX  formal disputes already sent. All three credit bureaus have failed to provide the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ) and are publishing tradelines that violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 

Ive included image evidence showing that the data for the same accounts is reported differently across the three credit bureaus, with material discrepancies in account status, high credit limits, last payment dates, and charge-off comments. These conflicts clearly violate FCRA 1681e ( b ), which requires credit bureaus to report information with maximum possible accuracy. 



Disputed Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX  XXXX  Equifax reports account as Open while Experian and TransUnion show Closed High credit is inconsistent ( {$890.00} on Equifax vs. {$1300.00} on TransUnion ) Different dates for last activity and payment Reports Charge-Off with a {$0.00} balance marked Open this violates XXXX XXXX XXXX XX/XX/XXXX formatting XXXX. XXXX XXXX XXXX XXXX  XXXX High credit is inconsistent : {$1200.00} ( Experian/Equifax ) XXXX {$2700.00} ( TransUnion ) Different last payment dates ( XX/XX/XXXX vs. XX/XX/XXXX ) Conflicting comments : Unpaid Balance Reported As A Loss vs. Charged Off Account XXXX. XXXX XXXX  Equifax reports the account as Open, Experian shows Closed, and TransUnion omits it High credit listed as {$0.00} ( Experian ) vs. {$4800.00} ( Equifax ) Last payment date varies between XX/XX/XXXX and XX/XX/XXXX All of this contradicts XXXX XXXX and FCRA standards Laws Violated : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information FCRA 611 ( a ) ( 7 ) Failure to provide Method of Verification FCRA 623 ( a ) ( 1 ) ( A ) Reporting known inaccurate data XXXX XXXX Field Guidelines Conflicting charge-off statuses, Open + {$0.00} + Charge-Off inconsistencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-05-27 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:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
This complaint is a formal request for a complete accounting unde

r UCC 9-210 for any and all accounts bearing my name that your institution owns, services, or has reported. I am requesting a breakdown and documentation that supports the existence, status, and disposition of these accounts. Please include the following : A full accounting statement, showing all charges, payments, interest, fees, and the current balance breakdown ; Any as
signment or transfer documents, if the account has been sold or transferred to any third party ; Disclosure of whether the account has been transferred to a trust or securitized, including : Name of any trust and trustee, Date of transfer and involved parties, Copies of any Pooling and Servicing Agreements ( PSAs ) or related trust documentation. 

If you are not the secured party in possession of this information, please forward this request to the appropriate party and inform me of their identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a medical charge of {$4100.00} that was reported to my credit in XX/XX/year>. I believe this amount is unreasonably high, and I do not agree with the charge as billed. 

I have not received a clear explanation of the services provided or a detailed breakdown justifying this total. I request a full itemized bill and an immediate review of this account. 

Please note that I am disputing the validity and accuracy of this debt and request that it be temporarily removed from my credit report until this matter is resolved. 

Thank you

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-27 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
I am submitting this complaint because Huntington Bank continues to report a closed and fully paid account as being in collections on my credit report. The account has been resolved and shows a {$0.00} balance. Despite this, it remains under the 'collections ' section, which misrepresents the current status and unfairly impacts my credit score. 
According to the Fair Credit Reporting Act ( FCRA ), information furnished to credit reporting agencies must be accurate and not misleading. I am requesting that the CFPB require Huntington Bank to either reclassify this account appropriately or remove it from the collections section.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CarMax, Inc.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint against CarMax concerning my distressing experience with the used vehicle I purchased from their dealership nearly XXXX XXXX  ago. My purchase date was in, and since that time, I have encountered persistent mechanical issues that have caused significant frustration and mental distress. 

From XXXX  XXXX, the vehicle has consistently presented multiple problems, requiring repairs approximately XXXX to XXXX times a year. Of particular concern were the severe issues I faced during the holiday season of XXXX. I had traveled XXXX  to celebrate the holidays, but instead of a joyous occasion, I found myself grappling with repeated car troubles, which significantly marred the experience. 

In XXXX of XXXX, I repaired a XXXX  XXXX  ; however, that was not the end of my troubles. Throughout the XXXX  quarter of XXXX, I encountered additional XXXX XXXX, prompting me to reach out for assistance from CarMax repeatedly. Despite the numerous times I attempted to contact their customer servicealmost XXXX instances I received inadequate support. At one point, I was mistakenly transferred to XXXX XXXX  rather than receiving the help I needed regarding my vehicle. This experience was not only frustrating but also indicative of a lack of professionalism on their part. 

The repeated vehicle issues, compounded by the unsatisfactory customer service experience, have created a significant burden on my mental well-being. I expected a certain level of quality and reliability from CarMax, and instead, I have faced ongoing disappointments. It has been XXXX XXXX XXXX XXXX XXXX i lost my XXXX  haven't been able to generate XXXX late on XXXX XXXX months already its all because carmax. 

respectfully request that the CFPB investigate this matter, as I believe possible violations of consumer protection laws have occurred regarding my transaction with CarMax. I hope for a resolution that adequately addresses my grievances and prevents other consumers from undergoing similar experiences. 

Thank you for your attention to this matter. I am looking forward to your response. 

I filed to XXXX, ATTY GENERAL. wants to file civil court for sabotage lemon law manipulation of payments wrongful reposes I'm also filing a complaint about my bank XXXX XXXX after this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-27 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-27 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I mailed formal XXXX XXXX disputes to Experian, Equifax, and TransUnion challenging several inaccurate and unverifiable items on my credit reports. I am submitting this complaint early because the accounts in question contain obvious legal violations and I am documenting my effort to escalate through proper channels. 



Disputed Accounts and Issues : The accounts below show conflicting payment history, status fields, dates of last activity, and comment sections across the three credit bureaus. These inaccuracies violate XXXX XXXX format standards and federal law, including XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX Credit Card Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX ( Experian only full deletion requested ) XXXX Inquiry XXXX XX/XX/XXXX ( TransUnion unauthorized ) Violations Identified : These accounts are being reported in direct conflict with one another. Some show Paid As Agreed while others report 30 Days Late. Comments and status codes differ, and the number of reported delinquencies is inconsistent. Additionally : No Method of Verification ( MOV ) was provided ( as required under FCRA 611 ( a ) ( 7 ) ).

FCRA 1681e ( b ) has been violated due to lack of maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) entitles me to a full reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) holds furnishers responsible for knowingly reporting inaccurate data.

TILA 1666b was violated if late notations were applied due to payments made on holidays or weekends. 

These errors are materially harming my creditworthiness, and the pattern of noncompliance from the bureaus demands regulatory oversight.

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 2025-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
I called the credit bureau asked could I get the documents I signed also I asked why did it pop up on my credit if they never gave me written notice etc I never got evicted I cleaned left the apartment returned my keys and they allowed me to because of Covid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously disputed the account listed below, yet my credit report still shows inaccurate and incomplete information. Im now formally requesting the description of the procedures used to investigate this account. As required by law, you must provide this information within 15 days of receiving this notice. If you cant verify the accuracy or fail to respond in time, the disputed account must be removed from my credit report. Please see the attached letter for my request. I look forward to your reply. Given from the previous dispute for my negative. You are required to send me the description of procedures used to investigate the disputed accounts within 15 days of receiving this letter. If not, I expect all negative accounts in dispute to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief