vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Re : CFPB Case No. XXXX Wells Fargo Case No. XXXX Account Ending in XXXX To Whom It May Concern : I respectfully dispute Wells Fargo 's response and request a reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ). Wells Fargo states that the account is reporting accurately as " Closed, Charged Off, {$850.00} Balance. '' However, the response fails to provide sufficient evidence demonstrating that every aspect of the information being furnished to the consumer reporting agencies is complete, accurate, and verifiable as required by federal law. Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not furnish information relating to a consumer if it knows or has reasonable cause to believe that the information is inaccurate. Further, under FCRA 623 ( b ), upon receipt of a dispute, the furnisher must conduct a reasonable investigation, review all relevant information, and report accurate results. I request that Wells Fargo provide documentation supporting : 1. The calculation of the current balance of {$850.00}. 2. The specific accounting records supporting all fees, interest, and charges assessed after delinquency. 3. The complete payment history from account opening through charge-off. 4. Documentation establishing the reported Date of First Delinquency. 5. Evidence that the account is being reported consistently and accurately to all consumer reporting agencies. 6. Documentation showing compliance with XXXX XXXX reporting standards. Additionally, if Wells Fargo continues to report a balance after charge-off, I request verification that the reported balance is legally owed, properly calculated, and not the result of inaccurate post-charge-off fees, interest, or accounting adjustments. Under FCRA 611 ( a ) ( 5 ), information that can not be verified with reasonable accuracy must be deleted or corrected. A statement that the account was reviewed and determined to be accurate does not satisfy the furnisher 's obligation to provide competent evidence supporting the information being reported. I also request disclosure of the method of verification used during the investigation pursuant to FCRA 611 ( a ) ( 7 ), including the records reviewed and the procedures utilized to verify the disputed information. If Wells Fargo can not substantiate the accuracy and completeness of every material element being reported, I request that the charge-off status, balance, and any associated derogatory reporting be deleted or corrected with all consumer reporting agencies. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) repossessed my XXXX XXXX XXXX. Following the repossession, the company failed to provide legally compliant notifications under Texas state commercial law and subsequently flooded my credit reports with severe data corruption and structural accounting contradictions that vary wildly across the major credit bureaus. On my XXXX report, XXXX is simultaneously reporting a status of " {$41000.00} written off '' directly alongside an active, updating past-due balance of " {$43000.00} '' on the exact same line item. This is a logical and mathematical impossibility ; an account can not be closed/written off as a corporate tax loss while simultaneously carrying an open, active, and updating past-due collection balance. Furthermore, XXXX is double-reporting the repossession status on the exact same trade line, which unfairly compound-penalizes my XXXX XXXX. On my TransUnion report, there is a massive chronological and historical data failure. TransUnion lists the account 's " Date Closed '' as XX/XX/XXXX. It is a legal and practical impossibility for a lender to claim an installment account was permanently closed in late XXXX while simultaneously executing an active vehicle repossession action against me on that exact same account line in XX/XX/XXXX. Additionally, TransUnion publishes " XXXX Received : {$0.00} '' directly adjacent to a " Last Payment Made '' date of XX/XX/XXXX, completely suppressing, deleting, and failing to accurately credit my successful {$1100.00} monthly contract installment payments made prior to the asset XXXX. Additionally, it has now been over XXXX days since the physical repossession occurred. XXXX has completely failed to provide me with a post-sale accounting or a written explanation of calculation regarding surplus or deficiency proceeds as required by Texas XXXX XXXX, yet they continue to publish these static, inflated balances to the bureaus without applying any auction credits. MY ATTEMPTS TO RESOLVE IT : On XX/XX/XXXX, I initiated formal disputes via certified mail directly to XXXX XXXX XXXX Texas, XXXX, TransUnion, and XXXX, explicitly detailing these data collisions and statutory notice defects. Despite providing clear documentation of these reporting errors, the companies failed to perform a reasonable, human-led investigation. XXXX closed out my dispute in a generic, automated XXXX turnaround, officially certifying this impossible dual-balance structure as " accurate '' on XX/XX/XXXX, under Confirmation XXXX XXXXXXXX. XXXX and the remaining bureaus have refused to correct these corrupt data fields and continue to publish these inaccurate metrics on my consumer files.

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 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had a garage door company come out to fix my garage door. The service wasnt done properly and had 1 year warranty. Called the company few times but never answered the phone. I disputed the charge with my bank account. When the garage company found out, the decided to show up fix the garage and asked for the amount that was disputed so I paid them that amount. After I paid them, the went to Barclays ( the bank of my credit card ) and said they didnt get paid and to reverse the dispute. Barclays with no proof decided to reverse the dispute and when I called them they wouldnt provide me any proof or details on anything. I was able to reach someone at Barclays but they stopped responding within a few emails/phone calls. I am trying to dispute the charge with justification under section 9 of their dispute form which is paid by other means I paid the company with a check and they cashed it.

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 2026-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
WFBNA AUTO # XXXX XXXX and XXXX card # XXXX have both been disputed with XXXX as fraud. XXXX locked me out of my account after claiming to investigate the accounts so I started a civil suit for fcra violations and now dont have access to my account

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 2026-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: NJ

Complaint narrative:
I am disputing a collection account for {$2500.00} being reported and collected by Lockhart , Morris & Montgomery on behalf of XXXX XXXX. I previously disputed this account with both the debt collector and the credit reporting agencies. I requested documentation proving that I legally owe this debt, including proof that the specific conditions required to trigger the alleged {$2500.00} obligation were actually met. In response, I received a copy of an employment agreement containing a liquidated damages provision. However, neither XXXX nor XXXX XXXX provided documentation demonstrating that the contractual conditions required to impose the {$2500.00} charge were satisfied in my specific situation. They also failed to provide a detailed explanation showing how the debt became due and why it is legally enforceable. On XX/XX/year>, XXXX stated that the debt had been verified. On XX/XX/year>, XXXX refused to conduct another investigation, claiming my dispute contained no new information. XXXX also declined to reinvestigate the account because it had previously been disputed. I continue to dispute the validity of this debt. A copy of a contract alone does not establish that the debt is legally owed. I am requesting that the company provide competent evidence that the contractual conditions triggering the {$2500.00} charge were met. If such evidence can not be provided, I request deletion of the collection account from all consumer reporting agencies and cessation of collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Used XXXX XXXX XXXX cost hidden XXXX wanted out of extra contracts above car contract Cost of assurant ( 2 ) contracts cost XXXX dollars and prepaid fees undisclosed fees

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 2026-06-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2026 I contacted Citi about the notification they sent to me stating there was a change in terms for the Home Depot store card. I stated very clearly that I could not access the change in terms online and needed them to mail the change in terms to me. Instead of sending me the change in terms, they sent me a letter dated XX/XX/XXXX saying I needed to contact them ( letters attached ). On XX/XX/XXXX, I again called them, stating I needed them to mail me the change in terms that was previously mentioned. The representative said they were available online, and I again stated very clearly that I was not able to be access them online. The XXXX XXXX requires proof of ability to access in order to use paperless delivery. I clearly stated I was not able to access the change in terms and wanted them mailed to me. I received another letter dated XX/XX/XXXX where the company stated they were going to enforce the change in terms that they failed to provide, and still have not provided, in violation of Federal law. Federal law requires that they provide the change in terms at minimum 45 days before the effective date. I still have not received the change in terms, and therefore Citi can not apply them to my account until they both provide the change in terms and allow a proper review period AFTER providing the change in terms. On XX/XX/XXXX, I again called Citi to address the deficiencies with the letter dated XX/XX/2026. The representative again stated the change in terms was available online, and I very clearly again replied that I was unable to access them online, that this was the third time I called to request the change in terms be mailed to me, and they needed to mail the change in terms to me. I received a letter dated XX/XX/2026 where Citi stated that I needed to contact them, but they still have not provided the change in terms for my account. Citi has violated both the XXXX XXXX and the regulatory provisions requiring the customer be provided the change in terms and a review period prior to the change taking effect.

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 2026-06-15 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo ILLEGALLY CLOSED Claim # XXXX after Account Takeover fraud with multiple Regulation E violations and false statements. TIMELINE : XX/XX/year> : My mobile phone was lost/stolen. XX/XX/year> to XX/XX/year> : 40 unauthorized ACH/wallet transactions to XXXX XXXX occurred from Wells Fargo account ending XXXX using digital wallet from my lost phone. XX/XX/year> : Filed XXXX Police Department Report # XXXX for lost/stolen device and unauthorized transactions. XX/XX/year> : I reported 40 unauthorized transactions totaling {$27000.00} to Wells Fargo. Claim # XXXX opened. XX/XX/year> : Wells Fargo denied claim and CLOSED case citing " 57 transactions totaling {$20000.00} '' which are NOT my disputed transactions. Denial letter FALSELY stated I had the physical card in my possession when transactions occurred. This is FALSE. Transactions were made via digital wallet/ACH from my LOST/STOLEN PHONE, not with physical card. REGULATION E VIOLATIONS : 1. 12 CFR 1005.6 : Bank failed to apply correct liability rules for lost device/account takeover. 2. 12 CFR 1005.11 ( c ) : Bank failed to provide provisional credit within 10 business days of notice on 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 2026-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Bank, I transfered {$45.00} into my savings account earlier. I still have money in checking but I need that money from savings now. They are refusing to give me my funds. I have a screenshot claiming that I dont have overdraft protection. My contract clearly states I do. They are holding my money hostage and will not tell me why.

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 2026-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing regarding my XXXX XXXX XXXX account. I recently paid the remaining balance on this account, and I appreciate that the account now reflects a XXXX balance. I take full responsibility for the circumstances that led to the account becoming delinquent. Since resolving this account, I have worked diligently to improve my financial habits and credit standing. I am currently working toward qualifying for a mortgage and building a stronger financial future. As a gesture of goodwill, I respectfully request that XXXX consider removing the charge-off notation and negative reporting associated with this account from the credit bureaus. While I understand that the reporting may be accurate, I hope you will consider the positive steps I have taken by paying the account and maintaining better financial responsibility. Thank you for your time and consideration. Any assistance you can provide would be greatly appreciated. Sincerely, 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 2026-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Aargon Agency Re : Account Number was never provided To Whom It May Concern, I am writing in response to the communication I received from your agency on [ Date of initial contact ] regarding the account noted above. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and validation is requested. Please provide me with the following information : The amount of the debt. The name of the original creditor to whom the debt is owed. Proof that you are licensed to collect debts in my state. A copy of any judgment ( if applicable ). A complete calculation of the balance due, including any additional fees or interest attached to the original balance. If your offices are unable to provide competent legal evidence that I owe this debt and that you are authorized to collect it, I request that all records of this account be immediately removed from my credit report and that you cease all collection activities. Additionally, I request that you cease all telephone communication with me regarding this account. All future communications must be made in writing to the address provided above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CONSUMER DISPUTE NARRATIVE Loan No. XXXX/ XXXX XXXX XXXX / Account No. XXXX Former Dispute No. XXXX This is my third dispute of this tradeline. The delinquency reported by XXXX XXXX XXXX is inaccurate. I stopped payments in XX/XX/XXXX because XXXX XXXX, the solar installer financed by this loan, refused warranty service on a non-functional system unless I paid an unauthorized {$350.00} fee. The system was non-functional for 13 months. The payment stoppage was caused by the seller 's breach, not voluntary default. My loan agreement ( Section 15 ) contains the FTC Holder Rule notice, 16 C.F.R. 433, making the holder liable for all claims against the seller. On XX/XX/XXXX, XXXX XXXX XXXX own counsel admitted in writing to the Maryland Office of Financial Regulation that " neither XXXX nor XXXX XXXX is the holder '' of this loan while continuing to collect, report adverse credit, and defend regulatory complaints. An entity that disclaims holder status can not verify a delinquency as accurate. This delinquency must be suppressed pending resolution of XXXX XXXX XXXX. No. XXXX and Maryland XXXX XXXX XXXX XXXX. Prior reinvestigations were inadequate.

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 2026-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing regarding my XXXX XXXX XXXX account. The account was paid and resolved several years ago. Since resolving the account, I have worked hard to improve my financial responsibility and maintain positive credit habits. I respectfully request that XXXX XXXX XXXX consider removing the charge-off and negative payment history associated with this account as a goodwill adjustment. While I understand the information may be accurate, I hope you will consider the positive steps I have taken since the account was resolved. I am currently working toward qualifying for a mortgage and continuing to rebuild my credit. Any consideration you can provide would be sincerely appreciated. Thank you for your time and review of my request. Sincerely,

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 2026-06-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I returned XXXXXXXX XXXX XXXX XXXX unused and undamaged ) within the allotted time period last XXXX in XXXX. Starting in XXXX and every month thereafter, I began receiving reminder emails from XXXX XXXX XXXX to return the equipment otherwise I would incur a non-return fee. Immediately, I called XXXX XXXX XXXX customer assistance and was assured that my equipment had been received and to disregard the email. Because I continued to get emails, I made several more calls with XXXX XXXX XXXX and was assisted EACH TIME by managers who again told me to ignore the emails. I continued to worry though and even went in person to my XXXX XXXX XXXX local office. The manager there told me everything was taken care of and not to worry. Fast forward to a few months ago when I began receiving phone calls and text messages from 2 different creditors : XXXX XXXX and IC Systems, now claiming I owe money to XXXX XXXX XXXX. They want my personal information.

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 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This company is reporting inaccurately information every month with numerous errors under FCRA for the consumer rights.

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I am XXXX XXXX and a victim of identity theft, tax theft/fraud, bank theft/fraud, mail theft and fraud, violent crimes....... I am requesting an investigation into my banks that I have had theft/fraud.

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