vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have repeatedly disputed the accuracy of a repossession and charge-off tradeline on my Wells Fargo account ending in XXXX. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), I provided Wells Fargo with detailed documentation and a certified letter on XX/XX/year>, requesting : A description of the procedures they used to verify the lawfulness of the repossession, timing of notices, calculation of the deficiency balance ( including the fair-market-value appraisal ), and the basis for withholding sale documentation ; Copies of all supporting documentation ( appraisal report, certifiedmail receipts, internal notes, original sales contract ) ; and Confirmation of their furnishing to XXXX, XXXX, and XXXX of the investigation results. 

Wells Fargo has failed to produce any of that evidence. Instead, they have issued multiple final responsesmost recently on XX/XX/XXXX, XXXXstating they stand behind their prior conclusions and will not change the tradeline ( CFPB case nos. XXXX, XXXX ). They refuse to identify any independent verification or provide any documentation. 

Attempts to Resolve : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> & XX/XX/year>XXXX  : Wells Fargo sent initial responses reiterating the same unsubstantiated positions without evidence. 

XX/XX/year> : I sent a certified follow-up dispute letter formally invoking my FCRA rights and demanding the documentation listed above. No documentation or procedural details have been provided. 

Statutory Violation : By refusing to conduct a reasonable investigation and withholding all requested documentation, Wells Fargo is in violation of 15 U.S.C. 1681s-2 ( b ) and is improperly reporting an unverified tradeline.

Requested Resolution : Require Wells Fargo to perform a complete, reasonable reinvestigation of my dispute and supply all requested verification procedures and documents. 

If any item can not be substantiated, direct Wells Fargo to delete or correct the tradeline and notify each nationwide credit bureau.

Provide me with written confirmation of their compliance and proof of corrections furnished to the credit bureaus. 

Supporting Documents : Copy of Wells Fargos XXXX and XX/XX/year>XXXX  response letters Copy of my XX/XX/year> follow-up dispute letter ( certified mail receipt ) Case reference numbers : Wells Fargo XXXX, XXXX ; CFPB 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 2025-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
The account has {$100000.00} in it. The funds are posted and settled. No issue about it - the funds are there. 

I believe the company is closing the account because I have made several wire transfers -all of which have gone thru without a problem. But i think the company objects to the way i have used the account. So they closed it on XX/XX/XXXX. 

I called and they said they were closing the account and it would take 30-60 days to return my funds to me. I told them that this was unacceptable - the funds are there and I need them. There is no reason for them to hold my funds for 30-60 days. I asked them to return the funds quickly. They did not respond to my request.

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 2025-06-12 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:
In previous complaint # XXXX XXXX XXXX responded but failed to address the issue. TransUnion ( only ) is reporting the STATUS as 30 days late. Please have the status corrected to read PAID AS AGREED. Please see attached how it reads when my credit is pulled. 
XXXX XXXX account XXXX XX/XX/XXXX with {$0.00} balance closed XX/XX/XXXXXXXX  As you can see TransUnion is not reporting this correctly, but both other bureaus are

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 2025-06-12 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
In XX/XX/year>, I received a XXXX XXXX XXXX credit card from Barclays. I immediately knew that someone had fraudulently opened the account because I had not and also the fact that the card came with my last name misspelled. I immediately contacted Barclays and closed the account. Unfortunately, by that time whomever actually opened the account was able to charge approximately {$1100.00} to the account. 

Since that time I have had numerous conversations with Barclays ' credit department and the collection agency the account was turned over to. Unfortunately, now this issue is affected my credit, as my credit score recently dropped from approximately XXXX to XXXX. 

I can not believe that Barclays continues to insist this account is mine. The person that opened the account provided an email address that I have never had and provided the incorrect maiden name for my mother, which was one of their security questions.

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 2025-06-12 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: TX

Complaint narrative:
b'To Whom It May Concern,\n\nI am filing this complaint regarding Chase Banks failure to return the balance of XXXX from my closed account. I contacted Chase Executive Customer Service and was given a case number, but despite being told I would receive a follow-up call, I have not been contacted.\n\nThis delay has created serious financial hardship for me. I rely on that money for critical living expenses, and this issue has already caused me to be late on rent payments twice. Each time I contact Chase, I am given different information, and the matter remains unresolved.\n\nI am requesting your immediate assistance in helping to recover my funds and hold Chase Bank accountable for this neglectful handling of my case.\nTimes and dates of my calls to Chase customer service. 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 2025-06-12 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: IL

Complaint narrative:
according to 15 USC 1692c Equifax, XXXX XXXX and XXXX  violated my rights by in lawful communications please remove this collection off of my credit report thank. 
You Accounts that are fraudulent XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). XXXX XXXX all fraudulent I have been reaching out for months about the issue and they do nothing but come back in 3 days and no resolution just sitting on my credit report and I have sent ftc reports and pleaded with them that I have been a victim of fraud and they have not taken any off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
according to 15 USC 1692c XXXX XXXXXXXX XXXX and Experian violated my rights by in lawful communications please remove this collection off of my credit report thank. 
You Accounts that are fraudulent XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX all fraudulent I have been reaching out for months about the issue and they do nothing but come back in 3 days and no resolution just sitting on my credit report and I have sent ftc reports and pleaded with them that I have been a victim of fraud and they have not taken any off 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year>XXXX  To Whom It May Concern, Subject : Unauthorized PayPal Credit Account Reporting Immediate Action Requested Dear Sir or Madam, My name is XXXX XXXX XXXX XXXX, and I am filing this complaint because I have discovered a PayPal Credit account being reported on my credit report, despite the fact that I never applied for, received, or used any PayPal Credit producteither virtual or physical. 

I opened a standard PayPal account only, and at no point during that process did I knowingly apply for a PayPal Credit line or authorize Synchrony Bank to open one on my behalf. Since then, I have seen this credit line appear on my credit report and potentially impact my credit standing. 

I contacted both PayPal and Synchrony Bank directly to resolve this matter. I was told that I must have opened the account myself and that nothing further could be done. The only action offered was to close the accountyet this does not address the fact that a credit line was opened without my informed consent, and it continues to be reported on my credit file. 

I want to make it absolutely clear that I have never used PayPal Credit, and I have never received a virtual or physical card associated with it.

I am formally requesting the following actions : 1. That the PayPal Credit account be reviewed and flagged as unauthorized or opened without informed consent.

2. That all activity and credit reporting associated with this account be fully removed from all credit bureaus.

3. That I receive written confirmation stating I am not responsible for any charges or balance.

4. That Synchrony Bank and/or PayPal acknowledge that this account was opened in error or without proper disclosure. 

This situation is not only unjust, but it also has the potential to harm my credit profile and financial well-being. I respectfully request your immediate attention to investigate and resolve this matter appropriately and in a timely manner. 

Thank you for your time and assistance. 

Sincerely, 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit by XXXX, related to a student loan account I was previously unaware of. 

I have always made timely payments toward my student loans ( XXXX ). I was under the good-faith belief that I had only XXXX loan, which I was paying consistently. Unbeknownst to me, my student debt had been split into XXXX separate accounts, and XXXX was placed with a different loan servicer ( XXXX ) without my direct knowledge. I never received notification by email, phone, or updated mail. 

The servicer claims they sent letters regarding this second loan to my parents address which I have not lived at for over a year. I had no idea this account existed and therefore did not update the address for an account I did not know about. Once I became aware of the issue, I immediately brought the account current. 

I respectfully request the removal of this late payment from my credit report on the grounds that : I received no adequate communication about this second loan. 
The servicer did not attempt other contact methods such as email or phone ( which they had access to through my XXXX or existing loan information ). 
I have made consistent payments and did not willfully neglect my debt. 
This late payment has resulted in an unjustified drop of over XXXX points in my credit score, threatening my ability to secure housing as a first-time homebuyer. 
I am not asking to avoid repayment. Ive already paid the amount due. I am simply asking for relief from the damaging credit mark that occurred due to a breakdown in communication that was out of my control. 

I would greatly appreciate your review and assistance in resolving this matter. If needed, I am happy to provide supporting documents showing my consistent payments on the primary loan and the sudden appearance of this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit by XXXX, related to a student loan account I was previously unaware of. 

I have always made timely payments toward my student loans ( XXXX ). I was under the good-faith belief that I had only XXXX loan, which I was paying consistently. Unbeknownst to me, my student debt had been split into XXXX separate accounts, and XXXX was placed with a different loan servicer ( XXXX ) without my direct knowledge. I never received notification by email, phone, or updated mail. 

The servicer claims they sent letters regarding this second loan to my parents address which I have not lived at for over a year. I had no idea this account existed and therefore did not update the address for an account I did not know about. Once I became aware of the issue, I immediately brought the account current. 

I respectfully request the removal of this late payment from my credit report on the grounds that : I received no adequate communication about this second loan. 
The servicer did not attempt other contact methods such as email or phone ( which they had access to through my XXXX or existing loan information ). 
I have made consistent payments and did not willfully neglect my debt. 
This late payment has resulted in an unjustified drop of over XXXX points in my XXXX XXXX, threatening my ability to secure housing as a first-time homebuyer. 
I am not asking to avoid repayment. Ive already paid the amount due. I am simply asking for relief from the damaging credit mark that occurred due to a breakdown in communication that was out of my control. 

I would greatly appreciate your review and assistance in resolving this matter. If needed, I am happy to provide supporting documents showing my consistent payments on the primary loan and the sudden appearance of this account 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit by XXXX, related to a student loan account I was previously unaware of. 

I have always made timely payments toward my student loans ( XXXX ). I was under the good-faith belief that I had only XXXX loan, which I was paying consistently. Unbeknownst to me, my student debt had been split into XXXX separate accounts, and XXXX was placed with a different loan servicer ( XXXX ) without my direct knowledge. I never received notification by email, phone, or updated mail. 

The servicer claims they sent letters regarding this second loan to my parents address which I have not lived at for over a year. I had no idea this account existed and therefore did not update the address for an account I did not know about. Once I became aware of the issue, I immediately brought the account current. 

I respectfully request the removal of this late payment from my credit report on the grounds that : I received no adequate communication about this second loan. 
The servicer did not attempt other contact methods such as email or phone ( which they had access to through my XXXX or existing loan information ). 
I have made consistent payments and did not willfully neglect my debt. 
This late payment has resulted in an unjustified drop of over XXXX points in my XXXX XXXX, threatening my ability to secure housing as a first-time homebuyer. 
I am not asking to avoid repayment. Ive already paid the amount due. I am simply asking for relief from the damaging credit mark that occurred due to a breakdown in communication that was out of my control. 

I would greatly appreciate your review and assistance in resolving this matter. If needed, I am happy to provide supporting documents showing my consistent payments on the primary loan and the sudden appearance of this account 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is reporting my account with XXXX XXXX  as past due when in fact it is not. This is improper use of my credit report and violates the truth in lending act and the FCRA.

Company response to consumer: Closed with explanation