vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Request for Investigation and Correction under FCRA - XXXX Account To whom it may concern, I am writing to dispute the inaccurate information furnished on my consumer report that your agency has provided to third parties. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681 ( e ) ( b ) and 15 USC 1681s-2. 
I have thoroughly reviewed the consumer report that I obtained from your agency, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. These inaccuracies have caused severe financial harm and have negatively impacted my ability to secure loans and credit on fair terms. 

I am writing to formally request an investigation and correction pursuant to the Fair Credit Reporting Act ( FCRA ) regarding an inaccurately reported account on my credit report. 

- Creditor Name : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Current Reported Status : " Paid, Closed. {$250.00} written off '' Dispute Reason : This account has been paid in full ; however, it continues to be reported as a " charge-off '' as recently as XX/XX/XXXX, which is inaccurate or misleading. It does not fairly reflect the resolution of the debt. I request that the status be updated to accurately reflect that the account is closed and paid with no balance and that the negative charge-off history be removed. 
A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, I am requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681s-2, I request that you promptly notify the data furnishers associated with the disputed information about my dispute. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is in accurate or have reason to believe is in accurate. 
I have enclosed a copy of my identification and proof of address to verify my identity enclosed a copy CFPB AND FTC Please complete this investigation within 30 days as required by the FCRA and provide me with written confirmation of the results. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: OH

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 seven 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 non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am filing a formal dispute regarding my WFBNA CARD account # XXXX, opened on XX/XX/year>, due to inconsistent and confusing reporting across the XXXX major credit bureaus. 

Specifically, XXXX  reports the account as XXXX or paying as agreed, XXXX  reports XXXXXXXX XXXX XXXX XXXX  but XXXX  is showing XXXX due XXXX  days which appears to be both inaccurate and misleading. I have not received any clear or direct communication from Wells Fargo notifying me of a XXXX delinquency, nor do I recall any issue that would have justified such a severe derogatory entry. I have otherwise maintained this account in good standing. 

These inconsistencies are damaging my credit reputation and may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers of credit information to report accurate and consistent data to consumer reporting agencies. XXXX entry contradicts the other XXXX credit bureaus and appears to be erroneous.

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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX And To Whom It XXXX Concern, XXXX / XXXX XXXX TransUnion ( as applicable ) Subject : Request for Permanent Removal of Collection Account Under Federal Law Dear XXXX XXXX XXXX and XXXX XXXX XXXX, I am writing to formally dispute and request the permanent removal of a collection account reported by XXXX XXXX XXXX on XX/XX/year>, currently appearing on my credit report under account number [ Insert Account Number if available ]. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am requesting the following : Validation of Debt Under FDCPA 15 U.S.C. 1692g, I request that you provide full validation of this debt, including : A signed contract bearing my signature, A full itemized breakdown of charges, Proof that XXXX XXXX XXXX has legal ownership or the right to collect this debt, Proof that I was properly notified before this collection account was reported. 


Investigation and Removal Under FCRA 15 U.S.C. 1681i, I request a full reinvestigation into the accuracy and legality of this account. If the debt can not be verified, it must be removed from my credit report within 30 days of this notice.

Reporting Compliance You are required by law under FCRA 15 U.S.C. 1681s-2 ( b ) to investigate and ensure that only accurate, verifiable, and complete information is reported to credit bureaus. If you can not furnish complete and verified information, this entry must be deleted.

Potential Violation and Damages Be advised, continued reporting of inaccurate, unverifiable, or unauthorized accounts is a direct violation of federal law and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or legal action to recover damages under 15 U.S.C. 1681n and 1681o.

Demand I am formally demanding immediate permanent deletion of this collection account from all three major credit bureaus ( XXXX, XXXX, and TransUnion ). Please provide written confirmation once this account has been removed. 
I appreciate your prompt attention to this matter. You may contact me by mail at the address listed above if further documentation is required. Please be advised all communications must be in writing. 
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 non-monetary relief
Consumer complaint received 2025-05-17 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a payment under a settlement agreement to split the {$1100.00} into XXXX payments, and your agent confirmed that. I have a record of that payment. Now Im being told the agreement is void/expired. I request that they honor the original arrangement or escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CA

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 seven 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 2025-05-17 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: MI

Complaint narrative:
This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, unverifiable, and incomplete derogatory credit information furnished by XXXX XXXX XXXX XXXX to Equifax. 

This account ( ending in XXXX XXXX XXXX XXXX XXXXXXXX ) is reported as a charge-off with no full payment history, original contract data, or supporting terms. It does not appear on XXXX XXXX XXXX, further calling into question its accuracy and validity. XXXX XXXX has failed to respond to multiple formal disputes and verification requests. 

Legal Grounds for Complaint : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate or misleading.

FCRA 1681s-2 ( b ) : Upon notice of a dispute from a consumer or CRA, a furnisher must : Conduct a reasonable investigation ; Correct or delete any information that can not be verified ; Report the results to all CRAs to which the information was furnished.

FCRA 1681i ( a ) ( 1 ) ( A ) : Requires CRAs to investigate disputes and remove unverifiable information within 30 days. 
FTC Advisory Opinion to XXXX. XXXX ( XXXX ) : Even if the information was accurate at one time, 623 ( a ) ( 2 ) requires a furnisher to update or correct the information if it has become misleading in light of subsequent events. 
Reporting a charge-off without showing any payment or contract detail is materially misleading. 
CFPB Bulletin XXXX : Reinforces the requirement for furnishers to : Stop furnishing data that can not be verified ; Investigate disputes fully and meaningfully ; Provide full documentation and remove incomplete data. 
Attached Documentation : Dispute letters sent to Above Lending and Equifax Certified mail receipts proving delivery XXXX  XXXX credit report dated XX/XX/XXXX, showing this charge-off listed only on Equifax No response or verification received from Above Lending, violating FCRA dispute provisions Timeline of Dispute : Date of Dispute Sent : [ Insert Date of Initial Dispute ] Certified Mail Delivery Confirmation : [ Insert Tracking & Delivery Date ] Date of Last Credit Report Review : XX/XX/XXXX Furnisher Response : No response received The continued reporting of this unverifiable account is damaging my credit reputation and violates my rights under federal law. I respectfully ask the CFPB to act on my behalf and ensure the removal of this derogatory data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: MD

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 seven 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 2025-05-17 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: NV

Complaint narrative:
Recently, I was notified that my personal informationincluding my Social Security Number, date of birth, name, and addresswas involved in two separate data breaches : one with XXXX  and another with XXXX XXXX XXXX. Due to the increased risk of identity theft, I reviewed my credit report and discovered a fraudulent account that I did not open. 

Specifically, there is an account with XXXX XXXX listed under account number XXXX. I did not authorize or open this account, and it is the result of identity theft. This account is causing significant harm to my credit profile and peace of mind. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2, I am requesting the immediate removal of this fraudulent account from my credit file. The FCRA gives me the right to dispute inaccurate or fraudulent information, and Experian is obligated to investigate and remove unverifiable or incorrect data.

Additionally, I am submitting this complaint under the identity theft protections outlined in the FCRA, which require Experian to block any information resulting from identity theft within 4 business days of receiving appropriate documentation. 

Please act promptly to investigate and permanently remove the fraudulent XXXX XXXX account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: AR

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 seven 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 non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
so sometime around the end of XXXX and beginning and end of XX/XX/year>, there were multiple transactions, made under my checking account, using unauthorized debit card Transactions in my name .these transaction happened in numerous places in the united states XXXX places i have not been to, worked from, traveled to etc. i have lived in XXXX XXXX for 5 years and lived in XXXX XXXX ca for over 35 years. 
these transactions were plane tickets, hotel charges, uber charges, food beverage and gas all unauthorized. during this time in mid XXXX XXXX XXXX, i was transitioning banks from traditional standard banks to a XXXX XXXX cause i had just got hired for XXXX XXXX, at the time i was working XXXX jobs, day time XXXX mon-Friday and Tuesday Thursday Saturday Sunday doing a overnight job for a separate XXXX XXXX XXXX doing around XXXX hrs a week commuting XXXX hours a day back and fourth from my apartment in XXXX XXXX ca to XXXX XXXX XXXX XXXX ca which i have lived over 5 years. me and my fianc both work for XXXX XXXX and we had to have our XXXX yr old daughter be watched by my finances parents in order to provide. On the side after work during the week I would do XXXX. it wasn't till about XXXX beginning or mid XXXX when i started to notice her the unauthorized Transactions, due to the fact I had already switched my main direct deposit information to my Credit union which I still have currently. I immediately contacted Chase and informed them that I must have lost. misplaced my card and their were several transactions I needed to to dispute, they looked into it and i didn't hear back for almost a month, and when I finally contacted them back, they informed me there was no proof of fraud and I was liable for all transactions. then in the beginning of XXXX my account went negative a few XXXX dollars, then again a few days later another few XXXX, then a day later another few XXXX till i was completely negative over XXXX usd. I was shocked and i immediately panicked i then filed a CFPB report, a police report, reported to all XXXX credit bureaus, and then contacted Chase again and showed them My time stamped locations at the time and date i was accused of making these transactions. they then told me give them a few days to to a investigation and then again i didnt hear back untill i called them almost 2-3 weeks, later. when i finally contacted them last they told me there was nothing i could do and i was liable to pay back the funds. i am appaled and cant believe a customer of 15 years would be treated in this manner, they then told me my bank would be closing in 14 days and i was liable for these losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am submitting this as a follow-up to my original complaint regarding Wells Fargos unreliable XXXX XXXX service, which caused a check to arrive nearly a month late ( XX/XX/XXXX issue, check arrived around XX/XX/XXXX ). 

Since my original complaint : Wells Fargo has now denied my stop payment request for the check that was delivered almost a month later than promised. 
I had already spent a significant amount of time resolving this by phone. I was told the stop payment was accepted and the issue resolved. 
Now I am being told the {$1300.00} will not be returned, even though the issue was caused by Wells Fargos delay, not mine. 
My account shows a XXXX XXXX withdrawal on XX/XX/XXXX, and the check was cashed around XXXX time gap that makes clear the service failed its stated delivery estimate. 

In addition, I experienced : Dropped calls, being repeatedly transferred, and having to re-enter my account number after speaking to multiple live agents. 
A similar issue in XX/XX/XXXX, for which I filed a claim that was never followed up on. 

Wells Fargo has not taken responsibility, issued no goodwill credit for their repeated failures, and has handled my funds with negligence. I am now out {$1300.00}, and I am unwilling to continue spending hours on the phone to get access to my own money. 

Resolution Sought : Immediate return of the {$1300.00} withdrawn due to a severely delayed XXXX XXXX check. 
Written confirmation that this matter has been resolved. 
A full investigation into the breakdown of the XXXX XXXX service and Wells Fargos internal claim handling process. 

I have also sent a formal complaint to the Wells Fargo Executive Office. I respectfully request that the CFPB require Wells Fargo to take meaningful accountability.

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