vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
This is a follow-up complaint against XXXX, XXXX & XXXX XXXX XXXX, representing XXXX XXXX XXXX, XXXX, regarding their response to my previous CFPB complaint. In that response, the firm falsely claimed I was properly served with a debt lawsuit. This is factually inaccurate, and I am submitting additional information to clarify and escalate the issue. 
Summary of Violations : The firm claims I was served on XX/XX/XXXX, at an address that is not, and was not at the time, my residence. 
Their affidavit of service alleges delivery to a gray-haired female at XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX which is not my address. 
I am a male, and I was residing at a completely different address during that time XXXX XXXX Arc XXXX XXXX XXXX, WA XXXX under a valid lease agreement ( XX/XX/XXXX XX/XX/XXXX ). 
The person allegedly served does not live with me and is not legally authorized to receive service on my behalf. 
Legal Impact : Based on this invalid service, the firm obtained a default judgment on or about XX/XX/XXXX. 
They are currently enforcing a wage garnishment based on that judgment. 
I was not properly served, had no notice, and was denied the opportunity to appear or defend myself in court. 
Due Process and FDCPA Violations : Their affidavit of service is materially false, and the default judgment violates my due process rights under both Washington XXXX ( XXXX XXXX ) and Civil Rule XXXX. 
This conduct XXXX also constitute violations under the Fair Debt Collection Practices Act, specifically : o XXXX False or misleading representations o XXXX Unfair or unconscionable means to collect or attempt to collect a debt Pending Motion to Vacate : I am currently filing a Motion to Vacate the Default Judgment in XXXX XXXX XXXX XXXX, with supporting exhibits including : o A copy of my lease agreement proving my actual residence o A copy of the plaintiffs affidavit of service ( which is provably false ) o A sworn declaration attesting that I was never served Requested Action : I respectfully request that the Consumer Financial Protection Bureau take further action to review this firms response, escalate this matter internally, and, if warranted, refer the firm for investigation of potential violations of federal consumer protection law. 
This complaint is also being prepared for submission to the following agencies : Washington XXXX XXXX XXXX Oregon XXXX XXXX Federal Trade Commission ( FTC )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint against Wells Fargo regarding their handling of a dispute I filed on my account ending in XXXX. Despite multiple attempts to provide the required information and follow up, Wells Fargo falsely closed my case ( Case # : XXXX, CFPB Ref # : XXXX ) claiming I did not respond to their requests. That is untrue. 

I was contacted by a Wells Fargo representative named XXXX from phone number XXXX, who directed me to call her back at XXXX. During our conversation, I asked her to send me an email with details so we could resolve the matter. I provided my email address ( XXXX ) and explicitly stated I would prefer email communication for documentation purposes. She agreed but never followed up in writing. Since then, I have called Wells Fargo daily trying to reach someone to assist with this issue, but have been unsuccessful.

Wells Fargos claim that I failed to respond is false. I have actively tried to provide the requested information. I am missing funds, and I need a resolution. Wells Fargo has not properly addressed my concerns, ignored my email communication request, and closed the case without justification.

Desired resolution : Immediate reopening of the dispute or creation of a new dispute file with accurate documentation. 

Formal email communication from a Wells Fargo representative regarding my case so I can provide all requested information. 

A full investigation and refund of the disputed amount. 

Confirmation that future communication will be conducted via email only to ensure proper documentation and transparency. 

I am requesting CFPB assistance in resolving this matter, as Wells Fargo has not acted in good faith.

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 2025-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Axela Technologies, Inc
State: FL

Complaint narrative:
I received a letter from one of our associations that {$160.00} for a unit in my association was due I received the letter XX/XX/XXXX although it was dated in late XXXX I immediately sent three times the payments because I have three unit units and notated the unit numbers the association cashed and received the check. Now this collection company Schwartz vays is trying to extort outrageous additional fees and incorrectly apply my payments. They sent a Collections notice received on XX/XX/XXXX post dates the full payments due to the XXXXXXXX XXXX XXXXXXXX for XXXX XXXX. proper notice was not sent in a timely manner for these alleged debts and they had already been paid but they are refusing to adjust the account accordingly I have already consulted with two attorneys about the matter and I am also filing this in conjunction with possible legal actions we may take if they continue

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 2025-05-19 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: Experian Information Solutions Inc.
State: SC

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MI

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : { XXXX XXXXXXXX XXXX } To Whom It May Concern : I am responding to a collection notice received from your company. ( please see attached ) I do not recognize this claim. Please provide me with written documentation to validate this purported debt : 1. A copy of the purchase agreement between you and the original creditor who sold the debt to you which proves you are the actual owner of the debt. 
2.The assignment contract between you and the original creditor Please note that a list of charges is not validation of a debt This is not my acceptance or agreement of this debt but my notice of cease and desist of all further collection activity and reporting to my credit report until you are able to validate the above-referenced claim with the assignment contract from the original creditor along with the bill of sale which proves you bought the debt from the original creditor and are the rightful owner of the debt. 

Thank you. I will await your reply. 




XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Issuer : Capital One Product : Credit Card Sub-product : Capital One Savor World XXXX  XXXX Issue : Problem with a fee Sub-issue : Charged fees you didnt expect Desired resolution : Waiver of {$95.00} annual fee and review of customer service conduct What happened? 

I am requesting a one-time waiver of the {$95.00} annual fee charged to my Capital One Savor World XXXX  XXXX ( last XXXX digits : XXXX ), due XX/XX/year>. 

For the past XXXX years, I have not used this card even once. I havent even activated or received the most recent replacement card. Despite this, I have continued paying the {$95.00} annual fee each year without protest, trusting that a future goodwill waiver request would be considered fairly if ever needed. 

Recently, I contacted Capital One customer service several times at XXXX and XXXX. I clearly explained my situation and asked for a one-time courtesy adjustment. Each interaction was met with dismissive and scripted responses. No one reviewed my account history or offered any meaningful escalation path. It appeared no discretion was applied. 



Additional concern : In these interactions, I experienced a noticeable lack of empathy, frequent interruptions, and a tone that felt unusually condescending. While I am not accusing anyone directly, I do feel compelled to raise the concern that my name and XXXX  XXXX have contributed to biased treatment possibly unconsciously. I believe this merits attention under the CFPBs commitment to XXXX XXXX XXXX. 


.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Branch Messenger, Inc.
State: IL

Complaint narrative:
I am writing to formally lodge a complaint against Branch Bank due to its egregious practices that directly affect its customers and consumers. It has come to my attention that the bank is working in direct partnership with Uber to provide special accounts for its drivers. This relationship raises serious concerns regarding the bank 's commitment to protecting the interests of all its clients. 

As a long-standing customer, I am appalled by the lack of support I have received in resolving multiple disputes. My attempts to resolve these issues have been met with incompetence and inefficiency, leaving me feeling marginalized as a customer. I have encountered significant challenges in reaching representatives who demonstrate the energy or capability to resolve my concerns. 

The following dispute numbers remain unresolved, with one exceeding 120 days without a solution : XXXX. XXXX - Over 120 days old with no resolve XXXX. XXXX - A scam originating from the internal Uber and Branch app, with no resolve XXXX. XXXX - Open with no updates or resolve XXXX. XXXX - Open with no updates or resolve XXXX. XXXX - Open with no updates or resolve XXXX. XXXX - Open with no updates or resolve Despite my countless calls to Branch Bank, I often endure long wait times of over an hour, only to be disconnected or told that I would receive a call backan assurance that has never materialized. This lack of follow-through and disregard for customer service is unacceptable. 

I demand immediate action to address these unresolved disputes and expect a prompt response to this complaint. The banking sector must adhere to a standard of accountability, and Branch Bank has failed to meet even the most basic expectations of customer service and support. 

Thank you for your attention to this pressing matter. I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB, I am writing to report a case of identity theft. I recently discovered that someone fraudulently obtained an apartment lease using my name and personal information without my knowledge or consent. 

I did not authorize or apply for this apartment, and I believe my identity has been compromised. This incident is negatively impacting my credit and could lead to further harm if not addressed promptly. 

Here are the details I have so far : I was not involved in or aware of the lease agreement. 
I did not sign any related documents or authorize anyone to do so on my behalf. 
I have contacted the leasing office/property management to notify them of the fraud. 

I am requesting your assistance in investigating this matter and guiding me on the next steps to protect my credit and personal information. I am also working on placing a fraud alert with the credit bureaus and filing a report with the FTC and local law enforcement. 

Please let me know what additional documentation or information is needed to move forward with this complaint. 

Thank you for your attention to this serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is confusing the computer system or the algorithm that generates my credit score by reporting inaccurate disputed results causing my credit score to be incorrect!!!! My credit score is not fairly calculated or correct because Experian is doing fraudulent dispute resolution back 2 back on my credit report!!! They are deleting points on my credit as they wish and not correcting accounts that are supposed to be deleted and not properly giving me credit points!!! I want my credit score corrected and I will be going up to the corporate office!!

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