vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Wells Fargo Bank , N.A . for reporting a Form 1099-C ( Cancellation of Debt ) to the IRS without proper notification, and for doing so on a debt that is legally time-barred under Georgia law. 

This debt stems from a credit card account opened in XX/XX/XXXX, and closed on XX/XX/XXXX. I have not made any payments, communications, or acknowledgments of this debt since its closure. 

According to XXXX XXXX  the statute of limitations for written contracts in Georgia is 6 years, which means this debt became legally unenforceable by XX/XX/XXXX. 

On XXXX, XXXX XXXX, I received a XXXX letter from the IRS, stating that Wells Fargo filed a 1099-C dated XX/XX/XXXX, reporting approximately [ {$2700.00} ] as cancelled debt income. 

I was never notified of this cancellation of debt by Wells Fargo in advance, and the delay in reporting has now led to false tax implications against me ; mainly for a debt that was no longer legally collectible at the time of reporting. 

On XX/XX/XXXX, I did speak with a representative who could not provide me with further information. I requested the cancellation of debt letter they sent however the only way to received according to the Rep is via mail. 

I believe this is : A violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) A deceptive and unfair practice under the Consumer Financial Protection Act of XXXX  A cause of financial and legal harm, as I am now being taxed on " income '' I did not receive I respectfully request that the CFPB : Investigate the timing and legality of Wells Fargos reporting Confirm whether any communication was sent to me regarding the 1099-C Require Wells Fargo to provide written documentation justifying this action Assist in ensuring that any corrections to the IRS are made, if this was reported in error I will provide a copy of the IRS CP2000 letter for your review upon request, and I am also in the process of disputing this directly with the IRS based on state statute of limitations. 

I will provide a copy of the IRS CP2000 letter for your review and will also follow up with the IRS directly regarding this issue. 

Thank you for your time and advocacy on behalf of consumers like myself..

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 2025-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: NY

Complaint narrative:
Hello. My name is XXXX XXXX. I believe that since formulating my loan package and purchase of my home in XXXX NY in XXXX, my payment, at any given month has not been applied the way that I intended and expected that it would. 

In short, I held part time, as well as a full time job in order to make my payment. Now, I owe {$76000.00} dollars on my loan and have been in the house for 31 years. The math is not adding up. I have always been a conscientious bill payer and if I had my amortization schedule, you will see that I have paid consistently and probably have paid what the house is worth ( XXXX dollars ). 

I know that I signed a contract, but there was never a meeting of the minds and my loan has been sold several times. My original creditor was XXXX. When my loan was sold several times, and supposedly I was not a bad debtee, then payment was transferred it should have been up to me whether a highly depreciated home in a " nakely bad '' neighborhood would have been taken off the rolls for payment as the home is not worth what I owe in the mortgage. All I can say look in XXXX for example and see the dilapidated living condition I live in. I am retired living off of {$1500.00} per month with other bills and will be conclusively living a poor existence for the rest of my life. 

I pay my bills and I need help to get a {$35000.00} loan forgiveness or allowance so that I can better manage my bills and still pay the one Midland Mortgage for there loan forgiveness if it is rendered. Instead of paying 2 times what is owed I will still be owing one ( 1 ) times that worth of the house. As well, I doing the city of XXXX a favor as I openly let my home be a bath house/ toileting area for much of XXXX XXXX . Enough said. People go in buckets.

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 2025-07-18 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: FL

Complaint narrative:
The amount is XXXX from XXXX. XXXX has went bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
A few months ago, I had made a payment arrangement with the debt collection company XXXX XXXX XXXX XXXX for {$50.00} bi-weekly payments. At one point ( On XX/XX/XXXX ), I attempted to settle the amount owed in full but was unable to make the payment ( on XX/XX/XXXX ). I then contacted the company ( on XX/XX/XXXX ) to ask if I could resume the original {$50.00} bi-weekly plan. 

The representative I spoke with, who identified himself as XXXX, refused to reinstate the payment plan. He was extremely aggressive and unprofessional, telling me flat out that the answer was XXXX and that he would run my card againwithout my authorization. When I asked to speak with a supervisor, he again refused. 

I hung up and called back, only to be transferred to someone named XXXX XXXX, who I strongly believe was the same person as XXXX, simply using a different name. Once again, I asked to speak to someone elsespecifically requesting a female representativeand was told XXXX. I was met with the same dismissive and threatening tone. 

On my third attempt to call, I finally reached a different representative who was much more professional and was able to reinstate the {$50.00} bi-weekly payment plan. 

The level of unprofessionalism, disrespect, and especially the threatening language and tactics used by the representativesparticularly XXXX and XXXX completely unacceptable and deeply concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-18 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: OK

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-18 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: TX

Complaint narrative:
This is a formal follow-up to my initial dispute, which remains unresolved. I am demanding immediate action regarding the following accounts, which were opened fraudulently and without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my official FTC Identity Theft Report, which confirms that I am a victim of identity theft and that these accounts are fraudulent.

Under FCRA 611 ( a ) ( 7 ), I am requesting the following : The exact method of verification used to validate these accounts The name and address of the party who verified the accounts A copy of any original signed documentation used to verify them If you are unable to provide this information, you are required under FCRA 1681i ( a ) ( 5 ) to delete these unverifiable accounts from my credit report immediately.

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 2025-07-18 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: NC

Complaint narrative:
I submitted a formal dispute to Experian regarding an account listed on my credit report that I do not recognize and do not believe belongs to me. As part of my dispute, I clearly requested verification and supporting documentation of the alleged debt, as required under the Fair Credit Reporting Act ( FCRA ). 

Experian failed to provide any actual documentation or proof that this debt is valid and belongs to me. Instead, they marked the account as " verified '' without offering any evidence or details from the original creditor or debt collector. 

This is a violation of my consumer rights under the FCRA. The failure to provide verification and proof of debt after a dispute is unacceptable, and I am requesting CFPBs assistance in resolving this matter. 

I am requesting that Experian be required to produce all supporting documentation or immediately delete the unverifiable item 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 2025-07-18 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: NJ

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX  report. 

Please verify or remove immediately the following accounts : Absolute Resolutions XXXX XXXX I previously disputed this account stating : " I am a victim of identity theft and I never opened this account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The presence of the inaccuracy due to Experian Data Breach, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. TransUnion has reported the negative information on my credit file without my consent. I have never signed any applications permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but the reporting Furnishers has not provided documentation or their policies and procedures regarding the FMLA. This raises serious concerns about TransUnion 's compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed immediately : XXXX. XXXX XXXX. Account # XXXX. XXXX {$320.00} Opened XX/XX/XXXX XXXX XXXX XXXX. Account # XXXX. XXXX {$320.00}. Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. Account # XXXX. Balance : {$410.00}. Opened XX/XX/XXXX 2023

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 2025-07-18 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: VA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-18 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: DE

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: LA

Complaint narrative:
I am writing to formally file a complaint against Equifax, TransUnion, and Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the timely investigation and resolution of disputed inaccuracies on my credit report. 

On XX/XX/year>2025, I mailed written dispute letters to all three credit bureaus ( Equifax, TransUnion, and Experian ), clearly identifying multiple inaccurate and unverifiable items on my credit file. According to the FCRA ( 15 U.S. Code 1681i ), the credit reporting agencies are required to investigate and respond to disputes within 30 calendar days of receiving the request.

As of the date of this complaint ( more than 30 days later ), I have not received any formal response or resolution from Equifax, TransUnion, or Experian. Their failure to respond constitutes non-compliance with the FCRA, specifically : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Requires a consumer reporting agency to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file within 30 days of receiving notice of the dispute.

This delay is not only unacceptable but also violates my consumer rights under federal law. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to enforce compliance and hold these agencies accountable.

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 2025-07-18 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: LA

Complaint narrative:
I am writing to formally file a complaint against Equifax, TransUnion, and Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the timely investigation and resolution of disputed inaccuracies on my credit report. 

On XX/XX/year>2025, I mailed written dispute letters to all three credit bureaus ( Equifax, TransUnion, and Experian ), clearly identifying multiple inaccurate and unverifiable items on my credit file. According to the FCRA ( 15 U.S. Code 1681i ), the credit reporting agencies are required to investigate and respond to disputes within 30 calendar days of receiving the request.

As of the date of this complaint ( more than 30 days later ), I have not received any formal response or resolution from Equifax, TransUnion, or Experian. Their failure to respond constitutes non-compliance with the FCRA, specifically : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Requires a consumer reporting agency to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file within 30 days of receiving notice of the dispute.

This delay is not only unacceptable but also violates my consumer rights under federal law. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to enforce compliance and hold these agencies accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting Equifax to delete the late payments of this account :XX/XX/XXXX Account number : XXXX Balance : {$10000.00} Date Opened : XXXX XX/XX/XXXXPlease delete this collection off my credit report : Name :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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