vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
On XX/XX/year>, we noticed an unauthorized ACH withdrawal in the amount of {$1000.00} from the XXXX XXXX XXXX 's savings account. I am a signer on the account. The transaction was posted on XX/XX/year>. This is the information contained in the online bank account information : Transaction details {$1000.00} Transaction : XX/XX/year>XXXX  Posted : XX/XX/year>XXXX  Additional info Category Tax Preparation Service Transaction description XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We do not know who XXXX XXXX is and all our tax work is taken care of in person by a local accountant. This was clearly a fraudulent withdrawal. We contacted Wells Fargo on XX/XX/XXXX ( as soon as we saw it ) and they logged the complaint as follows : Stop Payment Order Regarding : Account Number XXXX Date Requested XX/XX/year>XXXX  Merchant ID " XXXX '' Merchant Name " XXXX * '' Stop Payment Option SelectedSTOP PAYMENT BY ACH MERCHANT NAME AND MERCHANT ID Wells Fargo 's claims department said that they could not cancel the transaction because we had not reported it within 24 hours. They investigated it ( they said ) and denied the claim. 

I have repeatedly asked them to provide proof that we authorized the withdrawal. We have no existing relationship with this merchant and are entitled to proof that it was a legitimate deduction from our account. They told me to contact the merchant ( XXXX ) and provided a phone number. I called the phone number and it was the number for XXXX, presumably the bank that requested the ACH withdrawal. They refused to speak to me because I am not a XXXX customer. I contacted XXXX and got the same reponse. 

I called Wells Fargo again and asked them to send me proof that they had investigated the claim and that they provide any information they had gathered during the investigation. Specifically, I want to know what Wells Fargo and the originating bank relied upon to determine that the withdrawal was authorized by a signer on our account. They said they will respond within 60 days. 

This is unacceptable. As a fiduciary, Wells Fargo has an obligation to protect our funds and to insure that any withdrawal was authorized by a signer on the account. Absent such proof, it has an obligation to credit the funds back to the 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 monetary relief
Consumer complaint received 2025-06-12 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: LEXISNEXIS
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CA

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 2025-06-12 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: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I purchased a home in XXXX, Colorado in XXXX and filed for bankruptcy the next year. Someone continues to make payments on this house afterthe bankruptcy was filed and it still shows on my credit as up to date with no missed payments. I AM NOT MAKING PAYMENTS on this PennyMacloan since late XXXX, early XXXX. I have reported this three times over 10 years and nothing has ever been done about it. The address is XXXX XXXX in XXXX Colorado. The loan number is XXXX with a current balance of XXXX according to my XXXX report. I have repeatedly tried and tried with Pennymac to tell them its not me and they always says its current with no problems so they won't address it. The name/company making payments is XXXX XXXX XXXX XXXX phone number shows XXXX with an email address of Stevenavarrolaw.com. who does not reply to any of my emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I am writing to respectfully rebut the response submitted by Monterey Financial Services regarding my complaint ( Complaint # XXXX ) concerning the alleged debt associated with Account XXXX. XXXX. 
In their response, XXXX states that they are not subject to the Fair Debt Collection Practices Act ( FDCPA ) because they are the assignee of the debt. However, this interpretation of the law is legally inaccurate. According to 15 U.S.C. 1692a ( 6 ), a party who acquires a debt after it has already gone into default is considered a debt collector for purposes of the FDCPA. 
Monterey has acknowledged in their response that the account defaulted on XX/XX/year>, and was assigned to them on XX/XX/XXXX, XXXXafter default. Therefore, under federa

l law, Monterey is subject to the provisions of the FDCPA. Furthermore, I requested, in accordance with 15 U.S.C. 1692g ( b ), a complete itemized accounting and verification of the debt. While Monterey has attached documents asserting the debts validity, they failed to provide a detailed and complete breakdown at the time of my formal validation request. By continuing to pursue collection and report the debt without complying with the validation provisions, Monterey is in violation of 15 U.S.C. 1692g ( b ) and 1692e.

I am again requesting that the CFPB investigate these practices and require that Monterey : Cease all collection activity, including credit reporting Provide a legally compliant debt validation Be held accountable for any violations of federal consumer protection laws I respectfully urge the Bureau to review Montereys ongoing compliance failures and take any appropriate enforcement action.

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
My vehicle broke down on XX/XX/. About a month later, I began calling VyStar Credit Union to explain my situation and request help with my auto loan. I continued calling about once a month, trying to work something out. For months, I was repeatedly told by VyStar representatives that there was nothing I could do but pay, and no one explained the risk of charge-off or offered a hardship plan. 

It wasnt until very recently that I finally spoke with one representative who was honest and told me the loan would be charged off in XXXX if not resolved. This was the first time anyone gave me a clear explanation or even mentioned that the balance could go into charge-off. Until then, I had been misled and kept in the dark. 

I have received multiple emails from VyStar saying they want to work with me, but when I called, I was never offered a payment plan, deferment, or voluntary repossession. I am not refusing to pay I am trying to avoid charge-off, protect my credit, and handle this responsibly. 

Im requesting that VyStar offer a fair and realistic payment arrangement, or at least acknowledge my efforts in writing and allow a way to resolve this before charge-off. Ive made every effort 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
JPMCB has charged off and closed my credit card account. The company is still reporting a balance to XXXX  and XXXX  of {$2600.00} which is false. XXXX Chase Bank has written this {$2600.00} off on their taxes, but i have not received a 1099-C to report this as income to the IRS and also to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
RENTDEBT AUTOMATED COLLE i am unaware of this debt and i did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not please Delete Account RENTDEBT AUTOMATED COLLE from my cedit reports or i will have to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion 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 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 2025-06-12 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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit information for applying for credit cards is completely blocked by experience. Even though there is no freeze and online experience reports that they gave access to the credit inquiry, each time the bank seeking my information from Experian gets a letter returned to them that Denies access. SoI am blocked for getting a credit card, even though I have excellent credit. I can not get a live person on the phone, and their phone prompts do not answer this issue. I have written to them with no reponse. Please HELP!

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 2025-06-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/year> Equifax, TransUnion, Experian Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 ( Identity Theft ) To Whom It May Concern, I am writing to formally dispute certain information appearing in my credit file that I believe is the result of identity theft. Pursuant to my rights under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block the reporting of this fraudulent information. 
The following account ( s ) on my credit report are not mine and were opened or used fraudulently : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required under federal law, I have included the following documentation in support of this request : 1. A copy of a police report or a Federal Trade Commission ( FTC ) Identity Theft Report.

2. A valid government-issued photo ID.

3. A proof of residence ( e.g., utility bill or lease agreement ).

4. A detailed statement identifying which information is fraudulent and should be blocked. 
Under 15 U.S.C. 1681c-2, you are required to block the reporting of the information that is the result of identity theft within four ( 4 ) business days of receipt of this request and the accompanying documentation. Please provide written confirmation once the fraudulent information has been blocked from my credit file.

Thank you for your prompt attention to this serious matter. If you need any further information or clarification, you may contact me using the contact information provided above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep.

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 2025-06-12 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: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX was charged off in ( XX/XX/year> ) and XXXX XXXX law firm bought this debt as a collection agency.I have requested the 1099c to support the charge off and it has not been sent. I have disputed this account as well with the credit bureaus and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is my 2nd request asking for the 1099c and debt validation. I have also provided screenshots of this account charged off as loss. I'm requesting that this account be deleted immediately or a 1099c be provided or a proper debt validation letter be submitted at this time none of the above have been supplied to me the consumer. I also have not been supplied with a written contract stating I have any obligation to this law firm they just keep posting letters as proof of debt validation and that is not a substantial agreement that I filed back in XXXX with the CFPB.I have placed all laws on this compliant and hope that they will be followed. Please do not post a letter that you sent to me that is not DEBT VALIDATION I need a signed contract thay has my wet signature on it agreeing to pay XXXX XXXX XXXX for a XXXX  account. If none of the above can be provided please delete this account or I will have my attorney reach out!!!! I will also provide the letter you attached to my original filing back in XXXX to show that this is not DEBT VALIDATION!!!! Your letter clearly states this is a debt collector at the bottom. Please cease all communication as well!!!

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 2025-06-12 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-12 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: CT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-12 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-06-12 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: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-06-12 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:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief