vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
According to 15 USC 1692 C, you have violated my rights by in lawful communications. Please remove this collection off of my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-24 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-24 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: NJ

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 noncompliance 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 multimillion dollar awards ( e.g., XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a XXXX  XXXX settlement following procedural failures. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-24 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: MS

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-24 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:
XXXX is reporting a late payment from XX/XX/year> on account number XXXXXXXX XXXX XXXX XXXX XXXX across all three credit bureaus, including XXXX Experian, and XXXX. This account has long been closed and fully paid, and the reported balance is {$0.00}. Despite this, the derogatory late payment remains in my credit profile and continues to inflict damage on my creditworthiness. 

This negative mark is more than a decade old and grossly exceeds the standard credit reporting limit established under the Fair Credit Reporting Act ( FCRA ). According to FCRA 605 ( a ) ( 5 ) [ 15 U.S. Code 1681c ], derogatory information, including late payments, can not be reported for longer than seven years from the date of the delinquency. In this case, that seven-year window has long since closed.

CITI and the credit bureaus have had ample time and opportunity to verify or remove this outdated data, and yet they have allowed it to linger in my filewithout notice, documentation, or justification. The continued reporting of this obsolete and closed account is a direct violation of the FCRA, specifically 1681e ( b ), which mandates that credit reporting agencies maintain the maximum possible accuracy in the data they report.

This isn't just a technicalityits a serious and ongoing harm. Lenders viewing this old and irrelevant derogatory mark may assess me as a higher-risk consumer, resulting in unfavorable credit terms, higher interest rates, or outright denials. I should not continue to pay a price for a closed and resolved account that should have automatically aged off my report years ago.

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 2025-06-24 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: GA

Complaint narrative:
Subject : Dispute and Request for Removal of Fraudulent Addresses Under the Fair Credit Reporting Act ( FCRA ) I am writing to formally dispute and request the immediate removal of fraudulent addresses appearing on my credit report. These addresses are not affiliated with me in any way and indicate the presence of inaccurate and potentially unauthorized activity tied to my credit profile. 

The following addresses are not mine and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have previously submitted a request to have these addresses removed, yet they remain on my report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i Procedure in case of disputed accuracy, you are required to conduct a reasonable investigation when a consumer disputes the accuracy or completeness of any item in their file. Failure to comply constitutes a violation of federal law. 

Per my rights under the FCRA, I am requesting that you : 1. Immediately investigate and remove all fraudulent addresses from my credit file.

2. Send me a written confirmation once the investigation is complete and the addresses have been removed.

3. Provide the name, address, and telephone number of any furnisher ( s ) who supplied these addresses. 

Please consider this letter a formal dispute under the FCRA. If these fraudulent addresses are not removed promptly, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). You have 10 days to comply.

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 2025-06-24 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: GA

Complaint narrative:
Subject : Dispute and Request for Removal of Fraudulent Addresses Under the Fair Credit Reporting Act ( FCRA ) I am writing to formally dispute and request the immediate removal of fraudulent addresses appearing on my credit report. These addresses are not affiliated with me in any way and indicate the presence of inaccurate and potentially unauthorized activity tied to my credit profile. 

The following addresses are not mine and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have previously submitted a request to have these addresses removed, yet they remain on my report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i Procedure in case of disputed accuracy, you are required to conduct a reasonable investigation when a consumer disputes the accuracy or completeness of any item in their file. Failure to comply constitutes a violation of federal law. 

Per my rights under the FCRA, I am requesting that you : 1. Immediately investigate and remove all fraudulent addresses from my credit file.

2. Send me a written confirmation once the investigation is complete and the addresses have been removed.

3. Provide the name, address, and telephone number of any furnisher ( s ) who supplied these addresses. 

Please consider this letter a formal dispute under the FCRA. If these fraudulent addresses are not removed promptly, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). You have 10 days to comply.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Formal Complaint Letter ( XXXX ) XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Passport Number : XXXX Email : XXXX Current Location : XXXX, XXXX To Whom It May Concern, I am writing to formally file a complaint against Wells Fargo Bank regarding the sudden and unjust closure of my checking account while I was traveling abroad, which has left me completely stranded without access to my funds.

I have been a loyal Wells Fargo customer for over 10 years. 

On or around XX/XX/XXXX, I proactively called Wells Fargo customer service to inform the bank of my upcoming international travel to XXXX and to confirm that there were no issues with my account. 

I was clearly told that everything was fine, and I would be able to use my account normally during my travels. 

I traveled to XXXX at the beginning of XXXX, planning to return around XX/XX/XXXX. 


However, while in XXXX, I received vague and unexplained notifications from the Wells Fargo mobile app, and shortly afterward, my checking account was suddenly closed without notice or explanation. I received no warning, no opportunity to resolve any issues, and no way to access my own moneyleaving me stranded in XXXX XXXX. 

This has caused me extreme hardship, especially given that I suffer from a serious XXXX XXXX and XXXX  medical issues. I have no access to medication, no financial support, and no means to safely return to my home in XXXX XXXX, XXXX, where I receive medical care. 

I am requesting : 1. Immediate explanation and written documentation as to why my account was closed.

2. Immediate release or emergency access to my funds.

3. Compensation for the extreme distress, medical risk, and hardship caused by this negligence.

4. An official response within 10 business days or I will escalate this to legal counsel and media channels. 



Please treat this complaint as urgent, as my health and safety are at risk due to the lack of access to my own money. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/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 2025-06-24 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-24 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$580.00}

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 non-monetary relief
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXXXX/XX/XXXX - Account Number :XX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX XXXX XXXX - Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00}

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 2025-06-25 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Opened CHASE bank account on XX/XX/XXXX. XXXXXX/XX/XXXX in a cashiers check was deposited from my current bank account to a newly opened chase checking account on the XXXX. Chase locked me out of my mobile account on the XXXX. Account was closed on the XXXX of XXXX. It has been 20 days, I need this money now, my patience is wearing thin. No one at a branch or the customer support line can provide a status for the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Wheel City Motors East, Inc.
State: SD

Complaint narrative:
On XX/XX/year>, I received a text from XXXX at XXXX stating a payment of {$200.00} was due by XXXX XXXX on XX/XX/year>, or {$240.00} if delayed to XX/XX/year>. On XX/XX/year>, XXXX XXXX XXXX called my girlfriend about the payment, and I called back, speaking to a manager who accused me of making excuses despite my consistent on-time payments and communication. Another harassing call was made to my girlfriend on XX/XX/year>. I requested clarification, but the response was unprofessional and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 an official dispute regarding an unauthorized hard inquiry found on my credit report. I did not authorize this inquiry and have found no record or explanation for why it should appear in my file. As a consumer, I am protected under federal law from unpermitted access to my credit information. The Fair Credit Reporting Act requires verifiable authorization before a party can pull a consumers credit file. This inquiry was not approved by me and must therefore be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation