vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My identity has been stolen and the fraudster attempted to apply for credit under my social security number. They failed to receive the physical cards but I was left with multiple credit inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: DISCOVER BANK
State: CA

Complaint narrative:
My identity has been stolen and the fraudster attempted to apply for credit under my social security number. They failed to receive the physical cards but I was left with multiple credit inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX XXXX XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX XXXX, NY XXXX EXPERIAN XXXX XXXX XXXX. 
XXXX XXXX, CA. XXXX Subject : Request for Deletion of Unverifiable Debt Dear EXPERIAN, I am writing to formally inform you of a significant update regarding the {$26000.00} account originally listed as a charge-off from XXXX XXXX XXXX XXXX Following my dispute, I received notification that the investigation was completed on XX/XX/year>, and the account has been completely deleted from my XXXX credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, consumers have the right to dispute inaccurate information on their credit reports. Given that XXXX has verified this account to be unverifiable and subsequently deleted it, I urge you to take similar action. Under the FCRA, once a debt is found to be unverifiable, it is your obligation to ensure that it is also removed from my credit report. 

Please note that if this unverifiable debt is not removed within 30 days from today, I will be exercising my rights under the FCRA and may consider legal action, as permitted by Section 1681n and Section 1681o, which allow consumers to seek damages for willful and negligent noncompliance.

I kindly request that you take immediate steps to update my credit report and remove this charge-off account. Please confirm in writing that you have received this notice and have taken action accordingly. 

Thank you for your attention to this 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 2025-06-23 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: OH

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account originally from XXXX XXXX. 

The account was opened in XX/XX/year> with a reported balance of {$250.00}. Since that time, XXXX XXXX XXXX has continued to report the same static balance each month without evidence of new activity, despite no payments or interactions taking place. This ongoing monthly reporting constitutes deceptive passive re-aging, which is a violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishing data known to be misleading or inaccurate. 

Additionally, XXXX has not provided any verification of the debt in compliance with FDCPA 809 ( 15 U.S. Code 1692g ). They have failed to provide proof of their right to collect, a breakdown of charges, dates of service, or contractual evidence to validate the debt. 

Furthermore, I disputed this tradeline with XXXX. They marked the account as verified without presenting any proof of investigation or validation, violating FCRA XXXX ( a ), which requires a reasonable reinvestigation, and XXXX ( b ), which requires data furnishers and CRAs to ensure maximum possible accuracy. 

The monthly balance remains unchanged at {$250.00} for over a year, with no explanation. The account reporting lacks transparency, completeness, and fairness as defined under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complainant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ Non-Domestic, Zip Exempt ] Date : XX/XX/year> Subject : Formal Request for Regulatory Action Against Wells Fargo Bank , N.A . 
To Whom It May Concern at the Consumer Financial Protection Bureau, I, XXXX XXXX, a living woman and authorized agent for the legal entity XXXX XXXX, submit this formal complaint requesting immediate regulatory action against Wells Fargo Bank , N.A . for the following serious violations : 1. Destruction of my original signed promissory note by their branch employees.

2. Failure to provide full and lawful Truth in Lending Act ( TILA ) disclosures prior to signature, in violation of Regulation Z ( 12 CFR 1026 ). 3. Denial of my request to receive a copy of the signed agreement, while f
alsely claiming it was provided.

4. Failure to validate any alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

5. Refusal to respond to multiple administrative remedy notices and legal requests. 

The included documents provide sworn testimony, legal citations, and a timeline of correspondence that demonstrate dishonor and misconduct by Wells Fargo. My husband, XXXX XXXX XXXX, witnessed these events personally and has submitted an affidavit in support. 

This is a formal request that the CFPB : - Reopen or escalate the case against Wells Fargo ; - Demand a full and complete validation of any alleged debt ; - Require Wells Fargo to confirm that no valid contract or enforceable obligation exists ; - Ensure no reporting or collection activity continues against me based on an unenforceable or fraudulent agreement. 

Wells Fargo has been given multiple opportunities to cure but has failed to respond lawfully or provide remedy. 

I hereby give formal notice that Wells Fargo has XXXX ( XXXX ) calendar days from the date of CFPB receipt of this notice to provide : - A copy of the original signed promissory note ; - Full debt validation and accounting under TILA and FDCPA ; - Confirmation that no valid or enforceable obligation exists ; and - Written assurance that no negative credit reporting or collection efforts will occur. 

Failure to comply shall constitute legal default, commercial dishonor, and tacit acquiescence to all claims contained herein. I respectfully request that the CFPB enforce this response window and compel lawful remedy. 
Respectfully submitted, XXXX XXXX Authorized Agent for the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX All Rights Reserved Complaint Reference : Wells Fargo Case No. : XXXXXXXX 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 2025-06-23 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: PA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful n
oncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX Equifax $ XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I was surprised to find a late payment on my credit report, as I maintain strict discipline around payment deadlines. My personal records do not support this late entry, and I request that it be promptly investigated and removed to ensure accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Health Investment Company, LLC.
State: AZ

Complaint narrative:
XXXX XXXX was admitted to XXXX XXXX in XXXX, AZ on XX/XX/XXXX. As he didn't have any medical insurance XXXX XXXX XXXX XXXX XXXX XXXX money was obligated for his medical care under referral XXXX. XXXX XXXX brought in bills from XXXX XXXX XXXX XXXX, XXXX and then from XXXX AcXXXX XXXXXXXX XXXX XXXX related to physician bills from this hospitalization. Requests were made by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX without success. When XXXX XXXX brought in the collection letter from XXXXXXXX XXXX XXXXXXXX, XXXX, A no liability letter was sent on XX/XX/XXXX and again on XX/XX/XXXX ( certified ) without a response from the agency. XXXX XXXX XXXX XXXX act, XXXX XXXX is not liable for this remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Experian Information Solutions , Inc., DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXXXXXX XXXX , DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BWW Law Group, LLC
State: MS

Complaint narrative:
XXXX XXXX  sold my personal information to a third party debt collector threatened to sue me. after selling my information to the third party debt collector they have been phone harassing me threating me saying that they will get the debt that they have attached to my name. i have told them numerous of times the vehicle do not belongs to me and i di not give anyone any consent to use my information this is idenity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
This communication serves as a formal dispute of an unauthorized hard inquiry. I did not provide authorization for this action and have not made any recent credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
XXXX XX/XX/XXXX {$6400.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$330.00} XXXX XXXX XX/XX/XXXX {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
XXXX XX/XX/XXXX {$6400.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$330.00} XXXX XXXX XX/XX/XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
This child support account XXXXXXXX XXXX XXXX XXXX XXXX  has been officially closed by the court. Additionally, you are reporting an inaccurate balance with Experian reporting {$22000.00} and Equifax reporting {$22000.00}. Attached are copies of the letters I previously sent to XXXX and the Office of the Attorney General on XX/XX/year>. Following those submissions, XXXX removed the account, and the court confirmed that it does not publicly report child support information to the credit reporting agencies. XXXX  has also removed this account. Given this information and the actions already taken by other bureaus and entities, I am requesting that you promptly remove this account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from my credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I recently reviewed my credit report and found entries that are not mine. These accounts were opened without my knowledge or approval and are fraudulent in nature. I request their removal under 15 U.S. Code 1681g within 15 days. Documentation to support this claim is included.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, a year ago, I was in a financial dilemma due to health issues .. As a result XXXX of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on XXXX occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

XXXX Account Number : XXXX Late Dates : XX/XX/year> and XX/XX/year>XXXX XXXX Account Number : XXXX Late Dates : XX/XX/year> This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with 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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XXXX XXXX of XXXX my XXXX Bank of America card was used unauthorized by someone XXXX dont know. I have disputed those transactions that werent made by me because I did not received the XXXX card to my home address instead it was mailed else where and someone got a hold of my card and made unauthorized transactions. Now Bank of America is denying my dispute claim after I have send in several documents proving I did not reside at the address on file they had, and today as of XX/XX/XXXX they denied the claims again saying they have proof it was I that made those transactions or someone I know. I have given every piece of proof to help with my claim but Bank of America just keeps denying my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I went to my local branch location of Citibank to deposit XXXX checks from my new employer, XXXX XXXX XXXX, that I received as a sign on bonus ( {$35000.00} into a new savings account ; {$50000.00} into my established checking account ). I was told that funds would be available starting the next day, and I used part of them to pay for my XXXX  internet bill ( XX/XX/XXXX ; approx {$170.00} ) and XXXX ( XX/XX/XXXX ; approx {$11.00} ). Later that same evening, I tried to purchase snacks from my hospital gift shop, and was told my card was declined. I called Citi at that time and was told that my account was being closed and the reason was not disclosed to me after XXXX separate phone calls and having my employer verify that they were the originators of my check. Ive filed a complaint with their executive response unit the morning of XX/XX/XXXX and have yet to hear a response. Spoke again with the fraud department this morning ( XX/XX/XXXX ), and they are still not giving me a reason. 

I'm resubmitting to add my case number from the executive response unit complaint : # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is the third complaint I have filed regarding this account. The first time 5/3 replied but I did not have any information regarding the account anymore due to the fact that it was part of my XXXX  that was XXXX in XXXX  and has since been removed from my credit report XXXX  years ago. I am now getting a letter from XXXX XXXX XXXX XXXX stating that I owe {$1500.00} on an account from 5/3 bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am disputing a closed Affirm Inc. account ( Account opened XX/XX/year> ) that was paid in full but is still reporting a XXXX late payment from XX/XX/year> on my XXXX credit report. 

I submitted a dispute and the item was marked as remained unchanged without providing supporting documentation or verification. This late payment is negatively affecting my credit and appears to be inaccurate, especially since the account was ultimately paid and closed. 

Affirm Inc. has not provided documentation verifying the accuracy of the delinquency or the payment dates as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation