vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am submitting a formal complaint regarding Wells Fargo Bank and their mishandling of a {$300.00} check deposit issued by XXXX XXXX XXXX and deposited into my Wells Fargo account. 

Timeline of Events : XXXX. XX/XX/XXXX I mobile-deposited three checks : {$48.00}, {$300.00}, and {$550.00}. Only the {$48.00} cleared immediately. 
XXXX. XX/XX/XXXX I visited the branch to redeposit the {$550.00}. It cleared immediately. The teller stated the {$300.00} check was good and scheduled to post XX/XX/XXXX ( Friday ). 
XXXX. XX/XX/XXXX ( evening ) A few hours after leaving the bank ( after it had closed ), I received notice that the {$300.00} check did not go through. 
XXXX. XX/XX/XXXX I went back to the branch to speak with a staff member named XXXX regarding why the funds had not posted. XXXX stated that she could not provide an explanation, and the teller at the branch contributed to the confusion. As a result, I was essentially 2 hours late to work, negatively impacting my income. 
XXXX. XX/XX/XXXX As of this date, the {$300.00} check still shows pending in online banking. There is no hold notice or written explanation provided, as required by Regulation CC. 

Impact : I work only 12 hours per week. The delay in the deposit caused me to be late to work, negatively affecting my income. 
The {$300.00} is necessary for my XXXX  account, which I use to pay my rent. Delay in posting threatens my ability to pay rent on time due for the month of XX/XX/XXXX. 
I am still dealing with a XXXX XXXX and manage other disabilities. The banks mishandling has worsened my physical and emotional stress. 
I had to make two separate trips to the bank, incurring inconvenience and additional costs. 

Action Requested : 1. Immediate release of the {$300.00} check funds. 
XXXX. Full compensation for lost work time, inconvenience, and hardship caused by XXXX XXXX mishandling. 
XXXX. Written explanation for why the funds were delayed even though the check is from a Wells Fargo account, so the money should have been available immediately. 
XXXX. XXXX that this situation will be prevented in the future for other customers. 

Additional Note Overdraft Fee : Separately, I incurred a {$35.00} overdraft fee because I was unable to deposit funds on time due to illness ( XXXX XXXX ). I explained my situation to Wells Fargo, but they refused to reverse the fee. While this is not the main issue of this complaint, it reflects a pattern of poor customer consideration. 

If Wells Fargo does not resolve this promptly, I intend to escalate this matter further, including pursuing legal action and publicly reporting the mishandling through all appropriate channels. 

Thank you for your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
For now I would say the 5th or 6th time I have asked for this account to be removed due to false and inaccurate and incorrect information. They have continued to report false and defaming accounts on my credit report, which I now will assume is deliberate. First of all the account Im referring to is an account associated with XXXX XXXX XXXX Not only are they agencies reporting and inaccurate balance due to the fact the balance being reported is incorrect, and also the closing of the account is inaccurate as well and for these reasons under the FCRA this account needs to be removed for inaccurate reporting immediately. Instead they have not only stalled in looking I to these things, they have also been placing derogatory marks on this closed account. If the car was repossessed in XXXXXXXX XXXX according to federal law there is a time frame of 120 days then the account must be closed. That would make the true closing date of this account XXXX. Theses agencies have not done there due diligence in this matter or they would not be okay ing derogatory marks and reporting on a closed account. This is a violation of my consumer rights and now Im starting to feel like even my request to have this account removed had falling on def ears. Including the ears of the CFPB. I will next file a complaint with my Florida attorney general if the CFPB can not force these agencies to remove this inaccurate account from all my credit reports! All of the immediately.

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 2025-08-30 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: FL

Complaint narrative:
For now I would say the 5th or 6th time I have asked for this account to be removed due to false and inaccurate and incorrect information. They have continued to report false and defaming accounts on my credit report, which I now will assume is deliberate. First of all the account Im referring to is an account associated with XXXX XXXX XXXX Not only are they agencies reporting and inaccurate balance due to the fact the balance being reported is incorrect, and also the closing of the account is inaccurate as well and for these reasons under the FCRA this account needs to be removed for inaccurate reporting immediately. Instead they have not only stalled in looking I to these things, they have also been placing derogatory marks on this closed account. If the car was repossessed in XXXXXXXX XXXX according to federal law there is a time frame of 120 days then the account must be closed. That would make the true closing date of this account XXXX. Theses agencies have not done there due diligence in this matter or they would not be okay ing derogatory marks and reporting on a closed account. This is a violation of my consumer rights and now Im starting to feel like even my request to have this account removed had falling on def ears. Including the ears of the CFPB. I will next file a complaint with my Florida attorney general if the CFPB can not force these agencies to remove this inaccurate account from all my credit reports! All of the immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XX/XX/year> ] LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Cease and Desist from Debt Collection Contact To Whom It May Concern, I am writing in regard to your attempts to collect a debt that you allege I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me concerning this alleged debt, except as permitted by law.

This means you may only contact me to : 1. Confirm you will no longer be contacting me, or 2. Notify me of specific legal remedies you intend to pursue.

Any further contact outside of these exceptions will be considered harassment and a violation of federal law. If you continue to contact me in violation of the FDCPA, I will not hesitate to report your conduct to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Texas Attorney Generals Office. 

This letter is sent to you via Certified Mail, Return Receipt Requested to provide proof of your receipt.

I expect your compliance with this notice. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified information being reported on my credit file. 

Company : NATIONAL CREDIT ADJUSTERS The original creditor is XXXX I previously disputed this account because I have never had a contract with this debt collector for any debt. I specifically asked for proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect on it. Instead of delivering this validation, the bureaus verified the account without furnishing proof. I disagree with the results of their investigation. To this date, I have not received : Documentation from the original creditor verifying the debt, or Proof that NATIONAL CREDIT ADJUSTERS has legal ownership and authority to collect this account. Despite the lack of validation, the account continues to be reported on my credit file by XXXX XXXX XXXX XXXX  which is an inaccurate and misleading representation. Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting this unverified collection without documentation fails to meet this standard. 15 U.S.C. 1681i ( a ) : When a consumer disputes an item, the credit reporting agencies are required to conduct a reasonable reinvestigation. My dispute was not properly investigated, as no proof of debt was provided ; yet, the account remains open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years.

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.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
I hope this statement finds you well. Im reaching out not just with a concern but with a story one that many consumers, unfortunately, find themselves living through.

While reviewing my credit report as part of routine financial planning, I discovered three hard inquiries that I do not recognize, authorize, or recall ever consenting to. These inquiries are listed as follows : XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX  XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX  Inquiry Date : XX/XX/year> XXXX XXXX XX/XX/year> To be absolutely clear, I did not apply for any credit card, auto loan, or financial service that would justify these hard inquiries. Their presence is both confusing and troubling. This situation raises concerns about unauthorized access to my credit report, possible identity misuse, or a procedural failure by the reporting entities or creditors involved.

Under the Fair Credit Reporting Act ( FCRA ) : Section 604 ( a ) ( 3 ) states that consumer reports may only be accessed for specific permissible purposes, such as when a consumer initiates a credit transaction or gives written consent.

Section 607 ( a ) requires credit reporting agencies to maintain reasonable procedures to ensure that information including inquiries is only accessed under lawful and authorized circumstances. 

Section XXXX ( a ) grants me the right to dispute any inaccurate or unauthorized information, with the reporting agencies being obligated to investigate and resolve the dispute within 30 days. 

Given the above, I submitted disputes with the credit bureaus requesting that they either provide documented proof of my authorization for these inquiries or remove them immediately from my credit file. To date, I have not received adequate documentation validating these inquiries, and they remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
This debt has been passed around to a third collector now and each has failed to cure the lack of proof of ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: VA

Complaint narrative:
I am writing to formally dispute and request removal of the following inaccurate account currently listed on my credit report. This account contains incorrect and unverifiable information and continues to cause undue harm to my credit profile. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance Owed : {$740.00} Under the Fair Credit Reporting Act ( FCRA ), Section 605B, a consumer has the right to block the reporting of any information resulting from identity theft. Additionally, under Section 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this account, as I have reason to believe the information is either inaccurately attributed to me or contains unverifiable data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: IL

Complaint narrative:
A rental account recently appeared on my credit report under the name XXXX XXXX XXXX I have no knowledge of this account, never authorized it, and did not enter into any agreement with this company. I believe this is the result of identity theft/Equifax data breach.This account is reporting inaccurately, is damaging my credit, and needs to be fully investigated and removed from my credit report. I have supporting documents, including an identity theft report and proof of identity, available upon 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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: TX

Complaint narrative:
This account was originated by XXXX XXXX XXXX and was closed and charged off in XX/XX/XXXX with a charge-off balance of {$3700.00}. The account was never placed with an external debt collector, and the last payment activity was in XX/XX/XXXX. However, SST/XXXX, acting as a third-party servicer and data furnisher, is currently reporting the account to Equifax as an active XXXX account through XX/XX/XXXX, over XXXX years after charge-off. 

The creditor is simultaneously reporting the account as both charged-off and in collections, which are XXXX distinct statuses. SST is not a third-party collector and has provided no evidence of active collection efforts. The continued reporting of this account as a collectiondespite no collection activity, no new balance updates, and no legal groundsappears to be a deliberate attempt to re-age the account and prolong its negative impact. 

This type of reporting is not only inaccurate and misleading, but it may also constitute a violation of the Fair Credit Reporting Act ( FCRA ) Section 623, which requires data furnishers to report accurate, complete, and verifiable information. Monthly C ( collection ) codes have been reported for XXXX, XXXX, and XXXX long after the account was closed and written off causing substantial harm to my credit profile. 

I have previously disputed this through XXXX. SST/XXXX  merely responded with a generic verified status and did not provide any documentation to substantiate the continued collection reporting. This lack of transparency, combined with the ongoing inaccurate reporting, represents a clear breach of my rights under federal law and must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year> I submitted complaints with CFPB against Equifax, Experian, and TransUnion under complaint id numbers : XXXX and XXXX and the last number is XXXX for incorrect information on my report it has been over XXXX  days and it is still not resolved I am asking for these items to be removed immediately from my credit report. Also I filed a dispute on credit karma for TransUnion and Equifax on XX/XX/year> for XXXX dispute number XXXX and it has been over 30 days and the item still has not been resolved and the account is to old to be on my credit report it is XXXX years and XXXX months old I am asking for this account to be removed immediately. They are in violation of my fair credit reporting rights and are damaging my credit reputation and credit worthiness and hindering me from being able to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: WI

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNTS : XXXX XXXX # XXXX -Date Opened XX/XX/year> -Balance {$0.00}

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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