vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Date XX/XX/year> Wells Fargo Bank , N.A . 
Customer Service / Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Closed Credit Card Account Request for Clarification and Reconsideration To Whom It May Concern, I am writing regarding my Wells Fargo credit card account that was recently closed following your request that I submit IRS Form 4506-C. 

I complied with that request ; however, since I have been claimed under my spouses XXXX XXXX XXXX filing status, no individual returns were filed under my Social Security Number. I believe this may have caused confusion when my IRS transcripts showed no filing history for the past XXXX years. 

To support my ability to meet my financial obligations, I also offered recent bank statements showing over {$10000.00} in regular deposits from verified rental income, as well as records of ongoing bill payments. Unfortunately, I was informed that this documentation would not be accepted, even though it accurately reflects my income and financial stability. 

I respectfully request : 1. Clarification Please confirm the specific reason for the account closure, especially in light of the documentation I provided.

2. Credit Reporting Please ensure that the closure is not reported in a way that misrepresents my credit standing. I request confirmation that it will not be recorded as delinquent or negative.

3. Reconsideration I ask that Wells Fargo review this matter again, taking into account the bank statements and rental income, which demonstrate my ongoing ability to manage this account responsibly.

I have valued my relationship with Wells Fargo and wish to continue it on positive terms. I would appreciate a written response addressing the points above. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: LA

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 non-monetary relief
Consumer complaint received 2025-08-20 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: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-20 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: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: Velocity Portfolio Group
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Could not access my XXXX  account online. Mutiple phone calls to XXXX. No help. Cancelled account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened an account at Truist Bank and deposited a certified check for {$2500.00}. Shortly thereafter, I received a letter from the Fraud Department stating my account had been placed on hold. I visited the branch and spoke with XXXX XXXX, who explained the hold was due to an address mismatch. 

On a subsequent visit, after calling my XXXX  customer service in XXXX, I was assured that my account was clear for business in South Carolina and I was even provided the relevant articles confirming this.When I returned to the branch, XXXX XXXX was noticeably dismissive. He contacted the Fraud Department and then informed me that the certified check I deposited was not valid. He further told me, youre not going to like what I say, but you cant get your money backyou need to go to your bank, and they owe you the {$2500.00}. This explanation was not only unclear but also unacceptable. 
Immediately after, I went to my issuing bank. The manager confirmed the certified check was valid, providing me with both a printout of the transaction and a screenshot showing the check had cleared successfully. 

I then contacted the Fraud Department again and spoke with XXXX XXXX XXXX. She told me there was nothing further I could do, no one else I could escalate my case to, and that I simply would not get my {$2500.00} back. 


This outcome is unjust and unacceptable. As a consumer, I expect fair treatment and transparent communication, not to be taken advantage of by stealing my money. At no point has Truist provided evidence or explanation of how or why my certified check, which cleared at my issuing bank, would be considered fraudulent. Instead, I have been left without access to my own funds, dismissed by multiple representatives, and effectively told that I am powerless in this situation. 

XXXX XXXX, I respectfully but firmly request your immediate intervention to rectify this matter. I have acted in good faith throughout this entire process and I should not bear the loss of {$2500.00} due to internal mishandling or miscommunication within your institution.

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 2025-08-20 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ CHILD SPRT ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-20 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: NJ

Complaint narrative:
In XX/XX/XXXX, I came across something incredibly troubling someone has been using my name to make fraudulent accounts without my knowledge. I never authorized these accounts at any point, and Im honestly scared. This feels like a clear case of identity theft, and Im overwhelmed by the implications.

This situation has caused me a great deal of stress, and Im pleading for it to be looked into and resolved as urgently as possible. Im asking and sincerely hoping that you act immediately to remove and block these unauthorized credit inquiries from my report. 
Here are the credit inquiries that seem to have been fraudulently made under my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I lost my Home Depot credit card and someone made a few transactions and Home Depot is refusing to approve my fraud claim this is not fair I already submitted a police report I have a lot of hardship and can not for something that was not my fault.

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 2025-08-20 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: SC

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 2025-08-20 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: CA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that XXXX  immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. Specifically, my XXXX  credit report is inaccurately reporting a fraudulent account with XXXX XXXX XXXXXXXX ending in XXXX. This account was not opened or authorized by me and must be permanently blocked and removed in accordance with the Fair Credit Reporting Act. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit cards opened at XXXX on XX/XX/year> under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX on XX/XX/year> under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX both showing a XXXX balance. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint because my credit report with TransUnion contains multiple inaccuracies in my personal information that must be corrected immediately, as required under the Fair Credit Reporting Act ( FCRA ). Despite providing valid documentation, my file continues to show incorrect name variations, outdated or unauthorized addresses, and inaccurate employer information. 

Name Correction : The correct and only legal spelling of my name is XXXX XXXX XXXX XXXX. Any other name variations, misspellings, or incorrect entries must be permanently deleted. ( Proof attached : [ provide appropriate ID, e.g., Social Security Card ] ) Address Correction : The only valid address associated with me is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other outdated, incorrect, or unauthorized addresses should be deleted accordingly. Some addresses listed no longer belong to me, and I simply seek for my personal information to reflect maximum accuracy. ( Proof attached : Proof of Address ) Employer Correction : The employer information currently reported is incorrect. My only valid employer is XXXX XXXX XXXX XXXX XXXX XXXX, and any other listed employer must be removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the maximum protection and accuracy regarding the personal information reported on my credit file. Specifically : 15 U.S.C. 1681e ( b ) : Requires that consumer reporting agencies follow reasonable procedures to assure the maximum possible accuracy of the information they report. Failure to maintain accurate records, such as listing incorrect names, outdated addresses, or inaccurate employment information, violates this obligation and can seriously impact a consumers financial standing. 

15 U.S.C. 1681i ( a ) : Mandates that upon receiving a dispute, credit bureaus must conduct a prompt and thorough reinvestigation to verify the accuracy and completeness of the disputed information. If the information can not be verified, it must be corrected or deleted without delay. This ensures that consumers are not burdened by incorrect or unverifiable data. 

15 U.S.C. 1681b : Limits the furnishing of consumer information strictly to those who have a permissible and authorized purpose. Any inclusion or reporting of unauthorized information such as outdated addresses or inaccurate employer records not only compromises consumer privacy but also constitutes a breach of this federal requirement.

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