vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint against Wells Fargo for multiple violations regarding an unauthorized transaction, mishandled claim process, improper overdraft fees, and failure to honor electronic communication preferences. 

Heres a detailed timeline of events : XXXX, a car rental platform, charged my Wells Fargo account an unauthorized amount. 
I contacted XXXX and they acknowledged the error and agreed to issue a refund within XXXX  days. They also recommended I file a dispute with my bank if I wanted a quicker resolution. 
I filed a dispute with Wells Fargo, who issued a provisional credit and emailed me confirmation of the claim status. 
During this time, Wells Fargo improperly charged overdraft fees to my account, despite the fact that I have overdraft protection and the account was restored within XXXX hours. 
Wells Fargo later admitted the overdraft fees were wrong and reversed them. 
After waiting several days, Wells Fargo denied my claim because the merchant also issued a refund. However, they only mailed the denial via regular post and did not send any electronic notification, despite my documented enrollment in electronic correspondence. 
I did not receive the letter in time, and my account is now negative, potentially due to miscommunication or retaliation for the fee reversal. 

Why this is a problem : I believe Wells Fargo is in violation of the following federal laws and regulations : 1. Electronic Fund Transfer Act ( EFTA ) Regulation E 12 CFR 1005.11 ( c ) requires that financial institutions notify consumers of investigation results using the agreed-upon method. Wells Fargo failed to notify me electronically, which delayed my awareness of the denial and caused financial harm.

2. E-SIGN Act ( 15 U.S. Code 7001 ) I opted into electronic communications, and Wells Fargo acknowledged this by emailing me about the provisional credit. Later sending only a physical letter about the denial contradicts the terms of electronic consent and violates the E-SIGN Act.

3. Truth in Savings Act Regulation DD ( 12 CFR 1030 ) Wells Fargo charged me overdraft fees despite active overdraft protection and a quick account restoration. These fees were later reversed, confirming they were unjustified. This may reflect a lack of clear fee disclosure and unauthorized account activity.

XXXX. Dodd-Frank Act Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) The timing and manner of the claim denialafter correcting their overdraft fee errorfeels retaliatory and harmful. It appears to be an attempt to offset the reversed fees by putting my account in a negative status. 
The overall handling of the situation is inconsistent, unfair, and has caused unnecessary financial stress.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX 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 XXXXP

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 2025-04-09 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: LA

Complaint narrative:
On XX/XX/XXXX, a formal written dispute was mailed to Transunion regarding an inaccurately reported dismissed XXXX  ( Case # XXXX, dismissed on XX/XX/XXXX ) appearing on my credit file. The letter cited multiple violations under the Fair Credit Reporting Act ( FCRA ) XXXX, XXXX, and XXXX ( b ), and demanded a full reinvestigation, Method of Verification ( MOV ), and immediate removal of the record if Transunion could not obtain verifiable documentation directly from the court. 

Despite receiving all supporting documentationincluding a government-issued ID and proof of addressTransunion responded on XX/XX/XXXX, with a stall letter, again requesting the same identity documents that had already been submitted with the initial dispute. 

This failure to act in good faith, combined with the redundant request for documentation, constitutes a delay tactic and violates the consumers rights under the FCRA. Additionally, Transunion continues to report this dismissed XXXX  without verifiable documentation from the original source. The XXXX XXXX XXXX has repeatedly affirmed that it does not furnish consumer data directly to credit bureausmeaning Transunion is relying on unverifiable third-party sources such as XXXX. 

As of today, no resolution or correction has been made, and the inaccurate public record continues to damage my profile unlawfully.

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 2025-04-09 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: GA

Complaint narrative:
PLEASE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax Inc. and Equifax Information Services LLC, DEFENDENT ADMINISTRATIVE PROCEEDING File No. XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application for XXXX XXXX XXXX  Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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:
XXXX XXXX : XXXX XX/XX/XXXX {$3000.00} XXXX  XXXX : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$540.00} XXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$16.00}, 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 2025-04-09 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:
Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It XXXX Concern, I am writing to dispute the accuracy of these collection account listed on my credit report under the account # XXXX, # XXXX, # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( XXXX  ) XXXX ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( XXXX  ) XXXX ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collections account from my credit report and provide written confirmation of this action. If the collections agency can not validate the debt, the account must be deleted from my credit file as required by law. Additionally, this letter serves as a formal cease and desist against any further collection activity related to this account. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It XXXX Concern, I am writing to dispute the accuracy of these collection account listed on my credit report under the account # XXXX, # XXXX, # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( XXXX  ) XXXX ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( XXXX  ) XXXX ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collections account from my credit report and provide written confirmation of this action. If the collections agency can not validate the debt, the account must be deleted from my credit file as required by law. Additionally, this letter serves as a formal cease and desist against any further collection activity related to this account. Thank you for your prompt attention to this matter. I look forward to your response. 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-04-09 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-04-09 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:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within XXXX  days, it must be deleted immediately from my credit file.

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 2025-04-09 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
i sent letters to transunion and experian requesting deletion of inaccurate information that they are reporting inaccurately. family support division # XXXX, they are in violation of 15 usc 1681s-2a ( 1 ) ( A ) Reporting information with actual knowledge of errors 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. this account is paid as agreed in comments but 120 days in payment history. violation of 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. my personal information is inaccurate as well, i would like for my name and address be the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XXXX i am requesting deletion of other information from my personal report. I have attach a copy of my credit reports below

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 2025-04-09 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: CA

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( XXXX ) XXXX XXXX XXXX Account Number : XXXX - Past Due Amount : {$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 2025-04-09 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: MD

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-09 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
I am filing a complaint against TransUnion for failing to respond to my dispute letter regarding inaccuracies on my credit report. On XX/XX/2025, I mailed a dispute letter to TransUnion via USPS certified mail ( tracking number : XXXX ), requesting an investigation into inaccurate items on my report. I also disputed incorrect personal information listed on my credit report. 
To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Form XXXX A recent bill showing my current address Despite providing all the necessary documentation and clear and thorough requests, I did not receive any response from Transunion with investigation results XXXX Subsequently, I sent another dispute letter to Transunion dated XX/XX/2025. On XX/XX/2025, I received a response stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is puzzling, as all prior communications were sent directly by me and included all required information. 

According to the Fair Credit Reporting Act ( FCRA ), Transunion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Transunion has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.

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