vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: VA

Complaint narrative:
I dispute the accuracy of the following tradeline ( s ) and demand a full Method of Verification : Creditor : XXXX XXXX XXXXXXXX XXXX AMOUNT {$2000.00} AMOUNT : {$3500.00} You stated these items were " verified. '' That statement is inadequate under law. 
Legal Basis 1. FCRA 611 ( a ) ( 6 ) ( B ) ( ili ) and 611 ( a ) ( 7 ) require you to provide a description of the procedure used to verify disputed information. A simple e-OSCAR code from the furnisher does not meet this standard.

2. FCRA 604 ( a ) ( 15 U.S.C. 1681b ) limits access to consumer reports to a statutorily defined permissible purpose. If the furnisher can not produce documentary proof of my authorization ( application, contract, or recorded consent ), the inquiry and any derivative reporting must be deleted.

3. FCRA 623 ( a ) ( 1 ) ( A ) obligates furnishers to avoid reporting information they know, or should know, is inaccurate. After the TransUnion and equifax data breach, reliance on compromised systems without verifiable source documentation fails this duty. 4. FACTA 312 ( 15 U.S.C. 1681s-2 ) requires agencies and furnishers to ensure data integrity and consistency across systems. The breach compromised that integrity, and without independent documentation, continued reporting violates this mandate. 
XXXX XXXX XXXXXXXX XXXX confirms that data reported in a manner inconsistent with the Metro 2 Credit Reporting Resource Guide is inherently inaccurate. 
Metro 2 Failures Detected The Mohela/transunion tradeline is in violation of multiple fields : Field 17 ( Account Status ) : Improperly coded " 120+ days late '' while also in deferment/forbearance. 
Field 18 ( Payment Rating ) : Mis-coded in months where no payment was contractually due.

Field 19 ( Payment History Profile ) : Reflects late codes during active deferment, which is contradictory.

Field 20 ( Compliance Condition Code ) : Omission of " XXXX '' dispute code, making the record incomplete. 
Field 25 ( Charge-Off Amount ) : Amounts misaligned with ledger balances, misleading third parties. 
Demand Provide the full MOV, including : the name/address/phone of each furnisher contacted ; the precise evidence used ( contract, promissory note, payment history ) ; the exact 604 ( a ) subsection relied upon ; the Metro 2 field-level data file used.

If you can not, then under FCRA 611 ( a ) ( 5 ) A ) the tradeline must be deleted.

Failure to comply will result in complaints to the, FTC, and the State Attorney General for willful noncompliance under 15 U.S.C. 1681n and 16810.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo owe me money and they don't want to give my money for the amount of {$2600.00} and they close my account without my consent please help me with this matter to be resolved.

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 2025-10-01 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: TX

Complaint narrative:
b'When I pulled my Experian credit report, I was very concerned to discover that Experian is reporting an outdated and inaccurate address that is not my current or only residence. Specifically, Experian continues to list the following as part of my personal information:\n\nPrevious AddressXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXXThis is not accurate. My correct and only address is:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXThe inclusion of the XXXX, TX address from XXXX  is misleading and harmful. I have not lived there in many years, yet Experian is still publishing it as though it is tied to me. Having incorrect addresses on my credit report creates a false and confusing picture of my identity. It increases the risk of my credit file being mixed with someone elses, especially since inaccurate addresses are one of the leading causes of mixed-file reporting.\n\nUnder the Fair Credit Reporting Act, Experian is required by 15 U.S.C.  1681e(b) to follow reasonable procedures to assure maximum possible accuracy in the preparation of consumer reports. Leaving an outdated and irrelevant address on my file is a direct violation of this standard. My credit report should reflect only accurate and current identifying information, not stale or misleading entries that no longer apply.\n\nThis error is not harmless. I have faced embarrassment and frustration when applying for credit or housing because I am forced to explain why my file contains addresses that do not belong to me anymore. It makes me appear unstable or transient when that is not the case. Worse, the continued presence of inaccurate personal information raises the risk that accounts or inquiries belonging to another individual at that address could end up in my file. That is not just a mistakeit is a real threat to my financial security and peace of mind.'

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Residence at XXXX XXXX Transworld System INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Pursuant to the FDCPA To Whom It May Concern, I am writing in response to a letter received on XX/XX/year> about an alleged debt. This is a formal request for debt validation as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following information : 1.The name of the original creditor.

2.The amount of the alleged debt, including a breakdown of any fees or interest.

3.Proof that you are legally authorized to collect this debt in my state.

4.A copy of the original contract or agreement that created the debt.

5.A complete payment history, showing how the amount was calculated.

Please also provide documentation showing that this debt has not been paid or otherwise discharged.

If you can not provide this documentation, you must cease all collection activities and remove any related information from any credit reporting agencies.

Under the FDCPA, you are required to cease collection efforts until the debt has been validated. Additionally, I request that you do not contact me by phone and that all future communications be in writing only. 

This letter is sent for the purpose of obtaining verification of the alleged debt and does not constitute an acknowledgment or acceptance of the debt or any portion of it. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am a customer of Wells Fargo. My account has been subjected to repeated delays and unexplained holds. 

Earlier this year, Wells Fargo informed me that my account would be closed due to a report they received from my other bank, XXXX XXXX, concerning my account there. I currently have {$14000.00} in my Wells Fargo account. 

Since then, Wells Fargo has repeatedly told me that my account will be closed and that my funds will be released, but each promised closure date has been postponed without explanation. This has now been going on for months, and I have yet to receive my money or any clear documentation supporting their decision. 

To date, Wells Fargo has : Refused to provide any written explanation or documentation justifying the extended hold on my funds ; Continuously postponed the closure of my account and the release of my money; Failed to provide a clear timeline for when I can access the {$14000.00} in my account. 

This situation is preventing me from accessing legitimate funds that I am entitled to, causing significant disruption to my business and financial obligations. 

I am seeking : XXXX. The immediate release of all funds in my Wells Fargo account ; XXXX. A formal written explanation of why my account has not been closed as promised and why my funds are being withheld ; XXXX. Assurance that Wells Fargo will not delay access to my funds further without proper documentation or legal cause. 

I have kept a record of all communications with Wells Fargo regarding this matter and am submitting this complaint to ensure that my rights as a banking customer are protected.

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 2025-10-01 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: NC

Complaint narrative:
Two credit unions are furnishing duplicate/contradictory data on the same obligation : XXXX XXXX acct XXXX charged-off/transferred to recovery yet still shows a balance on some bureaus. XXXX accts XXXX / XXXX overlapping dates/history with similar balance reporting. Only one owner should report a collectible balance. The other ( prior ) line should show {$0.00} and transferred/sold/closed. I disputed with the CRAs in XX/XX/XXXX, but the duplication and inconsistent balance/status remain. This harms my credit and misleads lenders. Please require the credit union to determine the correct chain of title, furnish corrections across all CRAs, and remove any duplicate/unauthorized tradeline. My XXXX  XXXX tradeline shows a {$0.00} balance but still carries charge-off/unpaid loss language and other contradictions across bureaus. Example : the account is closed/paid yet the remarks say unpaid balance reported as a loss, and one bureau shows a last payment date in XXXX that doesnt line up with the closed/paid treatment. I disputed in XXXX, but the bureaus verified without fixing these conflicts. Under the FCRA, reporting must be accurate and consistent ; a $ XXXX/paid charge-off should not be accompanied by unpaid or ongoing past-due language. This is an authorized-user credit card account from XXXX XXXX XXXXXXXX XXXX The data furnished to the bureaus is inconsistent and inaccurate. Example : XXXX  shows High Balance = {$3300.00} and a current balance of {$2300.00} ( open/current ), while Equifax shows High Balance = {$0.00} but still reports a current balance of {$2300.00} and labels the Account Rating as Paid even though the account is reported as Open/Currentthose fields cant all be true at the same time. Both bureaus also carry a single 30-day late that belongs to the primary cardholder ; as an authorized user, XXXX not contractually responsible. I asked for an investigation in XXXX XXXXXXXX, but the contradictions remain. Under the FCRAs accuracy and correction requirements, the reporting needs to be accurate and consistent across fields and bureaus. XXXX is collecting and reporting a XXXX XXXX. account ( Acct XXXX ) for {$280.00}, but has not provided proper validation. My reports show two XXXX entries for the same obligation ( Equifax shows XXXX ; XXXX show XXXX XXXX  XXXX with mixed statuses ( open vs closed ). I asked XXXX to validate, including the itemized calculation of {$280.00} and proof they own/are authorized to collect, but they have not provided sufficient documentation. Im disputing the debt and the accuracy of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Subject : Illegal Offset/Setoff of Delinquent Credit Card Debt from Deposit Account ( Violation of 15 U.S.C. 1666h ) I am writing to file a formal complaint against Navy Federal Credit Union for taking funds from my deposit account ( s ) to cover a past-due balance on my credit card, an action commonly known as an " offset '' or " setoff. '' Facts of the Complaint : I have a Checking and Savings account with Navy Federal ( Account ending in XXXX and XXXX ). 
I had a credit card with Navy Federal ( Account ending in XXXX ), which is now closed but carries a delinquent balance. 
On or about XX/XX/year>, XX/XX/XXXX and again on XX/XX/year>, Navy Federal debited my deposit account for the amount of {$580.00} ( XXXX ) and {$550.00} ( XXXX ) to satisfy a payment on the delinquent credit card. These were unilateral, non-recurring transfers initiated by NFCU. 
I did not have a written, recurring automatic payment authorization ( ACH ) in place for this credit card debt from this account. The XXXX payments were temporarily reversed but they are still aggressively trying to take that money. 

Legal Argument : The action taken by Navy Federal constitutes an illegal offset prohibited by the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666h and its implementing regulation, Regulation Z ( 12 C.F.R. 1026.12 ( d ) ).

This federal law states that a credit card issuer may not take any action to offset a cardholders indebtedness against their deposit funds unless the action was previously authorized in a periodic, recurring payment plan.

Navy Federals internal reference to a " XXXX XXXX '' or " XXXX XXXX '' in its agreement does not exempt them from the clear prohibition in TILA against offsetting credit card debt. The purpose of TILA is to prevent card issuers from engaging in this exact type of unilateral, self-help collection from deposit accounts.

This is not a general consumer loan ; it is a credit card transaction, which is afforded specific protections under TILA. Furthermore, the card account is closed, yet NFCU continues to exercise this aggressive collection practice.

Deceptive Secured Status : Furthermore, the credit card in question was issued and marketed to me as an unsecured credit product, distinct from Navy Federal 's specific secured card offerings ( e.g., the nRewards Secured Card ), which require an upfront, blocked security deposit. By taking funds from my regular, unblocked deposit account ( s ) using a hidden security interest clause upon delinquency, Navy Federal is attempting to treat a marketed 'unsecured ' debt as a secured debt for collection purposes. This practice lacks the transparency required for a valid 'security interest ' that would bypass the anti-offset protections of TILA, making the setoff illegal under 15 U.S.C . 1666h.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$59.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Balance {$0.00} - XXXX  XXXX XXXX XXXX {$0.00} - XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$59.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX Balance {$0.00} - XXXX  XXXX XXXX XXXX {$0.00} - XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2025-10-01 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: TX

Complaint narrative:
Hey My Name is XXXX XXXX, and i am formally disputing The incccurate information Listed On My Credit Report. In Accordance With 15 U.S.C $ 1681b And 15 U.S.C. $ 1681c, i Did not Authorize the reporting or realese of my Personal Information to the companies listed below. This is a Violation of my Consumer Rights to privacy, as they have no legal basis to report anything Under my name.

Furthermore, There are Unauthorized inquiries on my credit Report that I did not initiate, Which Constitutes a case of Identity theft. Pursuant To 18 U.S.C. {$8.00}, I do Not owe any debt to these entities, and i demand the immediate deletion of the item and Inquiries in Question to correct my Credit Report.

Please Address this matter promptly and confirm the removal of the disputed entries.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX - XXXX. XXXX Account Number : XXXX - XXXX. XXXX 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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was unfairly charged a total of {$560.00} for a rental car reservation that I canceled within 10 minutes of mistakenly booking it. I never picked up the vehicle, never received the service, and was penalized despite taking immediate steps to cancel. 

I believed the rental car was advertised as approximately {$200.00}. 
Instead, I was charged {$440.00} for the rental reservation itself. 
In addition, I was separately charged : {$36.00} i fee Another {$36.00} fee {$48.00} insurance fee This brought the total charges to {$560.00} for a rental car I never used and a reservation that was canceled almost immediately. 

XXXX. I canceled the reservation within 10 minutes of booking, not 24 hours before pickup. The cancellation policy does not fairly apply to someone who canceled almost instantly. 
XXXX. The advertised price was misleading. I was under the impression that the rental cost was {$200.00}, yet I was overcharged by more than double that amount. 
XXXX. The insurance charges were billed multiple times, despite the fact that the reservation was never validly completed or fulfilled. 
XXXX. I was denied a reasonable opportunity to fix an honest mistake without being financially penalized. 
XXXX. I never received, used, or picked up the vehicle. No service was ever rendered, yet I was charged as if I had. 

Charging fees for a reservation that was canceled instantly and never used is deceptive and unreasonable. 
I was not given a meaningful opportunity to avoid charges or to correct an honest mistake made during booking. 
I believe this constitutes an unfair and abusive billing practice under consumer protection laws.

Company response to consumer: Closed with explanation