vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX Re : Identity Theft Dispute and Request for Investigation Pursuant to FCRA XXXX To Whom It XXXX Concern, I am writing to formally dispute and request removal of fraudulent and derogatory accounts that have appeared on my credit report due to identity theft. I am a confirmed victim of the XXXX XXXX  XXXX XXXX, which exposed the sensitive personal and financial data of over XXXX XXXX Americans, including myself. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. 
XXXX ( XXXX XXXX ), I am requesting that the following accounts be blocked from my credit file as they are the result of identity theft : XXXX  / TransUnion : XXXX. XXXX. Georgia XXXX XXXX XXXX Account XXXX XXXXXXXXXXXX Balance : {$3900.00} Department of XXXX XXXX Account XXXX XXXXXXXX Balance : {$34000.00} Attached is my signed Identity Theft Affidavit attesting to the fraudulent nature of these accounts. I have also included a copy of my government-issued ID and proof of residence. 
Please investigate this matter and block these accounts from my credit report in accordance with FCRA XXXX. I expect written confirmation once the accounts have been removed or updated appropriately. 
Thank you for your prompt attention to this matter. 
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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute an account that appears on my credit report under the name XXXX XXXX XXXX with a reported balance of {$440.00}. I am requesting that this account be investigated and removed due to lack of proper verification and inconsistencies in reporting. 

This debt is unfamiliar to me, and I have not received any documentation or proof of the original account, date of last activity, or signed agreement. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any item on my credit report that I believe is inaccurate or can not be verified.

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 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: IL

Complaint narrative:
Last month I made a payment in cash to my usbank credit card at the branch on XX/XX/XXXX and it took the US bank 10 business days to credit my credit card. This month it happened again. I paid {$1000.00} in cash at the same branch ( I have the receipt to proof ) and the bank usually releases the funds on my credit card on the next business day, as of yesterday ( XX/XX/XXXX ) the bank still didn't provide funds on my XXXX, my comed bill for {$95.00} was due on XX/XX/XXXX, which was not paid because my credit card didn't have the funds available. I went to comed website to sign myself up to billing program and was not able to because my bill was past due. Now I will certanly have to pay late fee and the usbank was keeping my money/credit for too long. I've called usbank last month and they said that it has a hold on my account, I believed that it was a one time thing but it is happened again now, which doesn't make sense since I've been paying in cash.

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 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WEBULL PAY HOLDINGS (US) INC
State: KY

Complaint narrative:
On XXXX I filled out the form and sent it back to them in the chat and they acknowledged they received it but it's been XXXX  days and all I get from them is they sent it to someone else. I just want my money that is in my account. I sold all my shares and took a loss doing so just so I can be done with the company. They have poor customer service and support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: WA

Complaint narrative:
Company : Equifax Confirmation # : XXXX Description : This complaint concerns Equifaxs continued reporting of obsolete and inaccurate information about my DEPT OF ED / XXXX student loan. 

The account, opened on XX/XX/XXXX, shows late payments from XXXX that are more than XXXX XXXX XXXX. The loan is currently in deferment and should not reflect any negative history. 

Violations : - FCRA 605 ( a ) ( 5 ) - FCRA 623 ( a ) ( 2 ) - FCRA 611 ( a ) I request the permanent deletion of these negative entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Company : TransUnion File Number : XXXX Description : This complaint is about TransUnions failure to remove outdated negative information related to my DEPT OF ED / XXXX student loans ( opened XX/XX/XXXX, balances {$5700.00} and {$9900.00} ). 

These accounts show delinquencies from XXXX, beyond the FCRAs XXXX reporting limit. They are also in deferment. 

Violations : - FCRA 605 ( a ) ( 5 ) - FCRA 623 ( a ) - FCRA 611 ( a ) I request deletion of these derogatory references.

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 2025-07-14 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownershipXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$490.00} XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I want to close my scam of America checking account. Pls close.

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 2025-07-13 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following accounts appearing on my credit report : XXXX XXXX Account # XXXX XXXX Account # XXXX These accounts were previously disputed, yet remain inaccurately reported and unresolved. I believe the furnishers failed to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I allege that : The information being reported is inaccurate, incomplete, and/or unverifiable The furnishers failed to conduct a reasonable investigation as required by FCRA 623 ( b ) ( 1 ) ( A ) There has been no valid verification or documentation provided to support continued reporting The furnishers have not corrected or removed the information, violating FCRA 623 ( a ) ( 2 ) and 623 ( b ) ( 1 ) ( E ) I have reason to believe that the investigation may have been conducted using the e-OSCAR system, which often results in automated verifications and does not fulfill the FCRAs requirement for a reasonable and thorough review.

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Subject : Account Closure Despite Compliance with XXXX Documentation Request To Whom It May Concern, I am writing to formally dispute the closure of my Wells Fargo accounts, which occurred despite my good faith effort to comply with your documentation request by the stated deadline of XX/XX/XXXX. 

On XX/XX/XXXX, the same day listed in the notice you sent me, I went in person to my local branch to provide the required documentation. Unfortunately, I was not taken in because I did not have a scheduled appointment. After waiting over XXXX hours, I showed the letter to a banker before leaving and was told it would be okay that my account would not be closed and I could return the next business day, XX/XX/XXXX. 

While I waited at the branch, I observed that multiple bankers were available but chose to chat amongst themselves or go to lunch some as early as XXXX XXXX  rather than help walk-in customers like myself. If Wells Fargo no longer accepts walk-ins, this was never communicated to me. The last time I visited a branch was in XXXX, when I was XXXX XXXX XXXX, and walk-ins were still common. 

I have been a loyal Wells Fargo customer for over XXXX years, with no suspicious activity, no compliance issues, and all my banking including mortgage payments, direct deposit from my employer, and all my bills tied to this account. I complied with the request on the deadline day, and I relied on the verbal assurance from Wells Fargo staff that I would not lose access to my account. 

This unexpected closure has caused major disruptions to my finances and created unnecessary hardship, especially given that I did not ignore your request and attempted to comply in a timely manner. I am asking for this decision to be escalated and re-reviewed, and that my account be reinstated or I be given an opportunity to resolve the situation properly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Reference # : 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 2025-07-14 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: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX  BALANCED {$260000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$9800.00} - XXXX XXXX XXXX XXXXXXXX BALANCED {$6500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} 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 explanation
Consumer complaint received 2025-07-14 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:
This letter serves as my XXXX FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted XXXX notices. 

Despite my repeated requests, the inaccurate inf " ormation remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer. 

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ]. 

Under the FCRA, you are obligated to : XXXX. Investigate the dispute within XXXX  days ( or 45 days under certain conditions ) ; XXXX. Notify the furnisher of the dispute ; XXXX. Correct or delete inaccurate, incomplete, or unverifiable information ; and XXXX. Provide me with the results of your reinvestigation. 

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies XXXX be deemed willful noncompliance, subjecting your organization to civil liability under XXXX XXXX. XXXX and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law. 

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within XXXX days of receipt XXXX XXXX # XXXX XXXX, NY 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 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Thank you for the clarification. Here is the revised dispute letter without the account number, including the open and close dates : -- - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Exeter Fin XXXX XXXX XXXX XXXX, XXXX  XXXX USA Subject : Dispute of Repossession XXXX XXXX Dear Sir/Madam, I am writing to dispute the repossession related to my account that was open from XX/XX/XXXX, and closed on XX/XX/XXXX. 

I believe this repossession was wrongful or conducted in error due to [ briefly explain reasons, such as incorrect information, lack of proper notice, or procedural issues ]. I kindly request a detailed explanation of the circumstances surrounding this repossession and all relevant documentation. 

Please provide copies of the repossession notice, any related correspondence, and records of the steps taken to notify me, as required by law. 

Under the Fair Debt Collection Practices Act and applicable state laws, I respectfully request that you review this matter and correct any errors. Additionally, I ask that you cease all collection activities related to this account until this dispute is resolved. 

Thank you for your prompt attention. I look forward to your response within XXXX  days. 

Sincerely, XXXX XXXX -- - Would you like me to add any specific reasons for the dispute or make further adjustments?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE 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 non-monetary relief
Consumer complaint received 2025-07-14 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:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXXXXXX BALANCE {$6100.00} DATE OPEN XXXX. XXXX XXXX XXXX BALANCE {$27000.00}.

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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
I made a Transfer via Wise last XX/XX/XXXX for {$28000.00} USD. My bank from XXXX has provided them with a XXXX  XXXX reference number to track the transfer, but they said they don't have the ability to trace given the tracing number provided to me by my Bank XXXX ( XXXX XXXX ). The reference for the transfer is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
On XX/XX/XXXX, I made a double payment on my car loan payment. I paid {$1000.00} when I only needed pay XXXX payment of {$530.00}. 

I called Hyundai ( XX/XX/XXXX ) and requested a refund to be processed for the second payment. I was told that refund check would be mailed within XXXX weeks. That first check never came. 

I contacted Hyundai Finance again ( XX/XX/XXXX ) inquiring about the refunded check. They confirmed that it had been shipped XX/XX/XXXX, but still had not be deposited or used. Hyundai Finance then voided that check and reissued another refund check. 

That check never arrived. I called and inquired again on the check ( XX/XX/XXXX and XX/XX/XXXX ), and the customer representative said they would mail a third check. I requested that the check be applied to my monthly payment balance for XX/XX/XXXX. The customer service representative said they would escalate the claim and stop the reissuing on the check. They guaranteed that within XXXX business days, the amount owed to be would be applied to my Hyundai finance account. 

The money owed to me was never applied to my account, so I called Hyundai finance once again and escalated the issue to a supervisor. The supervisor then told me that the previous agent never stopped the check so she had to " stop and apply '' the money. The supervisor then told me that by the following Monday ( XXXX days from the day we spoke. We spoke on XX/XX/XXXX of XXXX ), the money should have been already applied. She said it would be the latest date possible. 

As of XX/XX/XXXX, the money owed to me has still not been applied. 

Let it be known that Hyundai Finance never once provided me with proof that they had created and mailed checks previously.

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 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I sent a written request for debt validation to Midland Credit Management ( regarding account # XXXX ) on XX/XX/year>, which was delivered and confirmed via XXXX tracking. As of XX/XX/year>, I have not received any validation of the debt, yet the company has continued to send collection letters and has not corrected or ceased collection activity. This violates my rights under the Fair Debt Collection Practices Act. I request that the CFPB investigate this matter and that Midland cease collection activities until proper validation is provided. 
Amount : {$1400.00}

Company response to consumer: Closed with non-monetary relief