vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This filing supplements my earlier CFPB complaint regarding Wells Fargo Bank , N.A . 

On XXXX XX/XX/2025, an unauthorized wire for {$24000.00} was executed from my Wells Fargo account at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  records show one inbound text from Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and no outbound reply or code entry from my phone. 
Laptop forensics show outbound sessions to XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX ) at the same time as a malware detection. 
Afterward, my Wells Fargo alerts were changed to Mail Only, preventing any fraud notifications. 
According to a bank employee, the funds were transferred internally to a Federal Savings account around XXXXXXXX XXXX XXXX XXXX 

I have filed a formal enforcement complaint with the Office of the Comptroller of the Currency ( OCC ) under 12 U.S.C. 1818 ( b ) and UCC Article 4A, requesting the authentication and trace records required under UCC 4A-202 ( b ), 4A-211 ( b ) and 12 C.F.R. 30 ( App. A ) IP logs, device fingerprints, OTP audit trail, and alert-change logs. 

These materials will show that the disputed wire and notification disablement originated from a foreign IP and not from my devices.

Please coordinate with the OCC to ensure Wells Fargo produces the same records to the CFPB so that its response is complete and accurate.

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 2025-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Co LLC
State: MO

Complaint narrative:
I was told that I owed a debt of XXXX XXXX but I was never provided any verification of that debt and never told I could dispute the debt. I was neither provided a payment plan or dispute settlement option for such a large amount. I did not trust the woman on the phone because her emails stated that she is a senior debt collector, yet she didnt follow any normal protocols when dealing with me over the phone. The receipt I received via email shows my payment as being a sale. Something doesnt sit right with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MA

Complaint narrative:
I have an old account I have the card but can't access the account I tried all ways

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am writing again to dispute XXXX XXXX response to CFPB Claim XXXX regarding my business checking account ending in XXXX. 
Their letter states : On XX/XX/year>, we can confirm the unauthorized checks that were deposited into your account were returned in the amount of {$1600.00} which caused your account to become overdrawn by {$370.00}. 
This clearly shows that the overdraft was triggered by returned unauthorized checks not by my transactions. 
Yet they later contradict themselves, stating : The account was overdrawn due to the transactions that were made by you, the unauthorized checks did not cause your account to become overdrawn. 
This is demonstrably false based on their own timeline : XX/XX/XXXX : Account had a positive balance. 
Then, {$1600.00} in unauthorized checks were returned, bringing the account to {$370.00}. 
Only after that did my purchases occur, which deepened the overdraft but did not cause it. 
Their claim that there was " no loss to me '' is misleading. My account was closed with a balance of {$1400.00} and reported to Early Warning Services ( EWS ), harming my ability to bank. Thats a tangible loss. 
Their internal failure to properly verify deposited items before crediting and reversing them is not my liability. Under banking standards and Banking Law and Practice, this could be viewed as negligent acceptance and a breach of fiduciary duty if a constructive trust or agency relationship existed.

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I previously had an Apple Card under my old XXXX XXXX  ( XXXX ) that was closed in good standing. Since XXXX, I have been trying to apply for a new Apple Card using my current XXXX XXXX ( XXXX ) but every application gets stuck under review or ends with a system issue message. 

I have contacted Apple Card Support and Goldman Sachs many times between XXXX and XXXX. They opened cases XXXX and XXXX, but neither company has resolved the problem. Each side blames the other, and Im told to wait or reapply with no results. 

Apple Support representatives ( including XXXX, XXXX, and XXXX XXXX said this appears to be a technical linkage between my old XXXX XXXX  and my new one, preventing my new applications from being processed. 

My credit is excellent ( XXXX  XXXX in XXXX and XXXX in XXXX ). I have no delinquencies or high utilization. This is not a credit issue but a system error that has blocked me for over XXXX years. 

I am asking that Apple and Goldman Sachs remove any internal linkage so I can apply for a new Apple Card under my current Apple ID and be evaluated fairly, like any other applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
This Isnt Just a Dispute Anymore At this stage, were not just refuting their explanation ; were establishing : Failure to perform a required audit Failure to produce servicing evidence Furnishing inaccurate information knowingly Failure to investigate a substantiated dispute That combination forms the backbone of a willful FCRA violation. Its what courts look for to approve punitive damages showing that a servicer knew, or should have known, their report was wrong but continued to justify it rather than fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XX/XX/year>, Credit Collection Service XXXX XXXX XXXX, XXXX MA, XXXX ( XXXX ) XXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT : ACCOUNT NAME : Credit Collection, ACCOUNT NUMBER : XXXX, BALANCE : {$67.00}. 


This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 


ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX, BALANCE : {$67.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I am writing to dispute the following collection account listed on my credit report. I have reviewed this account and have found inaccuracies in the reporting. 

The account in question is : Collection Agency : CAINE & WEINER Account Number : XXXX Original Creditor : XXXX  I request that you investigate the following items and provide verification of this debt as required by the Fair Credit Reporting Act ( FCRA ) : Accuracy of Information : I dispute the accuracy of the account details, including the balance, dates, and ownership of this debt. Please verify all information being reported. 

Method of Verification : In accordance with my rights under FCRA 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ], I request that you provide me with a description of the procedure used to verify this account, including the name, address, and telephone number of any person contacted during your investigation. 

Proof of Notices & Right to Collect : Please provide documentation proving that I received all required notices under the Fair Debt Collection Practices Act ( FDCPA ) and that CAINE & WEINER has the legal right to collect this debt. This includes, but is not limited to : Proof of my liability for the debt ( e.g., a signed contract or agreement ). 

A complete payment history from the original creditor, XXXX, to ensure the amount is accurate. 

Documentation that the debt was legally assigned or sold to CAINE & WEINER. 

Governing Laws : This request is made pursuant to my rights under : The Fair Credit Reporting Act ( FCRA ), specifically 609 [ 15 U.S.C. 1681g ] ( allowing me to dispute inaccurate information ). 

FCRA 611 [ 15 U.S.C. 1681i ] ( requiring you to conduct a reasonable investigation of disputed items ). 

The Fair Debt Collection Practices Act ( FDCPA ), 809 [ 15 U.S.C. 1692g ] ( governing the validation of debts ). 

If you can not complete your investigation within the 30 days required by the FCRA, or if you can not provide verified proof of all the requested information confirming the accuracy of this account and the legal right to collect, then this account must be deleted from my credit file immediately. 

Please correct the inaccuracies noted and provide me with an updated copy of my credit report once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Harris & Harris, Ltd.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. regarding an inaccurate and unverifiable collection account that continues to appear on my credit report.

The account details are as follows : Collection Agency/Creditor : Harris & Harris LTD Account Number : XXXX Reported Amount : {$470.00} Date Reported : XXXX XXXX  Credit Bureaus : XXXX XXXX This account is being inaccurately reported and has not been properly verified in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation of disputed information. I have previously requested that the credit bureau and/or data furnisher provide documentation verifying the validity of this debt including proof of original creditor, signed agreement, and assignment or transfer of ownership yet no such verification has been provided. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be promptly deleted from the consumers credit file. Continuing to report unverifiable or inaccurate information constitutes a willful violation of the FCRA, which subjects the data furnisher and the credit bureau to civil liability under 15 U.S.C. 1681n and 1681o.

I am requesting that the CFPB investigate this matter and ensure that this account is either : 1. Properly verified with full documentation 2. Permanently deleted from all credit reporting databases ( XXXX, XXXX, and XXXX  ). 

I am seeking full removal of the unverifiable collection account and a written confirmation of compliance with the FCRA. 

Thank you for your attention and assistance in protecting my rights under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>XXXX  Wells Fargo Bank , N.A . submitted a written response to my federal complaints that contained a material false statement to both the CFPB and the OCC. 

The bank claimed : We can confirm there was a One-Time Password code sent to your mobile device to process this wire. 

Wells Fargos own system message, sent XX/XX/year> at XXXXXXXX XXXX proves this statement is false. The text reads to add recipient, not to process wire, and the code was never entered or used. 

This false statement was used to mislead regulators and close an active investigation. I have attached documentary evidence, including XXXX  XXXX ( Timeline and Supplement ) and the banks XX/XX/XXXX letter signed by XXXX XXXX. 

I am not forgiving this conduct. I am asking that XXXX XXXXXXXX and OCC uphold the law, act without bias, and let justice be blind by enforcing 18 U.S.C. 1001 ( False Statements ) and 1519 ( Record Concealment ).

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 2025-11-08 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their removal from my report. It is my understanding that you are obligated to verify these items with the respective creditor. I kindly ask that any unverifiable information be promptly deleted. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I anticipate the completion of this reinvestigation within 30 days of receiving this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: GA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT : ACCOUNT NAME : Plaza Services, ACCOUNT NUMBER : XXXX, BALANCE : {$2000.00} This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 


ACCOUNT NAME : Plaza Services, ACCOUNT NUMBER : XXXX, BALANCE : {$2000.00}.

Company response to consumer: Closed with explanation