vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint under my rights as a consumer pursuant to the Fair Credit Reporting Act ( FCRA ), the Uniform Commercial Code of the State of Florida ( UCC Article 9 ), the Florida Consumer Collection Practices Act ( FCCPA ), the Truth in Lending Act ( TILA ), and other applicable federal laws, to report multiple and ongoing structural, legal, and procedural violations by Wells Fargo Auto regarding account # XXXX. 

In XX/XX/year>, I voluntarily and peacefully returned the vehicle financed under this account, without any court order or forced recovery. To this date : I have not received formal notification of intent to sell the vehicle pursuant to UCC 679.610.

I have not been informed of the result of such sale nor of any alleged remaining balance, in violation of UCC 679.614.

I have not been provided with any detail regarding the calculation of an alleged deficiency.

Additionally, the information reported to the credit bureaus contains serious inconsistencies : In TransUnion, there is a repetitive Charge Off history for more than three years, without basis or indication of an active dispute. 

In XXXX, Voluntary Surrender and Charge Off appear simultaneously, which contradicts the principle of accuracy, and key fields such as DLA or Payment Rating are omitted. 

In XXXX, even years after the surrender, the account continues to be reported as Charge Off with no supporting documentation.

This constitutes a violation of FCRA 1681s-2 ( a ) ( 1 ) ( C ) and breaches the principles of accuracy, verifiability, and transparency established in : FCRA 1681e ( b ) : Maximum accuracy in the information reported.

FCRA 1681s-2 ( b ) : Obligation of the furnisher to investigate and correct errors after being notified.

FCRA 1681i ( c ) : Mandatory inclusion of the dispute status in the file. FCRA 1681c ( a ) ( 4 ) - ( 5 ) : Requirements to include DOFD and
DLA.

Relevant case law includes : Dennis v. BEH-1, LLC ( 520 F.3d 1066 ) : Voluntary Surrender and Charge Off can not coexist without proof of loss.

Seamans v. Temple Univ. ( 744 F.3d 853 ) : Inaccurate or unverifiable information must be deleted.

Cushman v. TransUnion ( 115 F.3d 220 ) : A furnisher who fails to act after a valid dispute incurs legal liability.

Saunders v. BB & T ( 526 F.3d 142 ) : Technically accurate information can still be misleading and violate the FCRA .

Gorman v. Wolpoff & Abramson ( 584 F.3d 1147 ) : A furnisher who fails to properly investigate is liable under 1681s-2 ( b ).

This situation has caused a prolonged and structural negative impact on my credit history and credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened this account with Truist bank online ending in XXXX and requested this account be closed in XXXX, XXXX, XXXX, and now XXXX I was finally able to get a live agent on the phone. There has been no activity on this account since XX/XX/XXXX yet they still charged me a monthly maintenance fee of {$12.00} in XXXX, XXXX, XXXX, and XXXX even though they were repeatedly asked to close the account via the mobile app and in person on the phone on XX/XX/XXXX. They are refusing to close and say they will continue to overdraw the account from now until XXXX I guess. They've already stolen {$48.00} in maintenance fees after the request to close the account on XX/XX/XXXX, XXXX, XXXX, and XXXX. There has been XXXX activity on this account since XX/XX/XXXX. Could you please force them to close the account and return whatever funds were in the account as of XX/XX/XXXX the first time I requested them to close 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am following up on a past dispute regarding the account listed below. Inaccurate and incomplete data still remains on my credit report. XXXX now formally requesting the steps you took to investigate the account. As legally required, this information must be provided within XXXX  days. If not, or if verification can not be confirmed, the account should be deleted. My previous dispute letter is attached for your reference. I look forward to your prompt reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: CO

Complaint narrative:
I filed a dispute with KeyBank on XX/XX/XXXX, for XXXX charges of {$250.00} each at XXXX  XXXX  XXXX ( XXXX  XXXX  XXXX ), which appeared on my XXXX  card ending in XXXX. KeyBank issued a provisional credit of {$500.00}, but later closed the case and reversed the credit on XX/XX/XXXX, based on the claim that the merchant provided evidence that services were rendered. 

However, on XX/XX/XXXX, the merchant provided me with an official invoice confirming that the {$500.00} was refunded via chargeback. The invoice clearly shows that the chargeback was successful and that no remaining balance is owed. This contradicts XXXX conclusion and proves that the funds were returned. 

XXXX day before the account was closed, on XX/XX/XXXX, KeyBank applied a credit of {$510.00}. Despite this, they closed the account with a XXXX balance and I am now receiving emails warning me that my account is going to collections. 

I have emailed KeyBank on XX/XX/XXXX, requesting that they reopen the case, reverse the {$500.00} chargeback, cancel collections, and clear the XXXX balance. I attached the merchants documentation, but they have not responded. 

I have also called KeyBank many times over the past few months. Each time, I am transferred to the disputes department, but the call gets disconnected and I am unable to speak with anyone. This ongoing issue has caused XXXX XXXX XXXX XXXX XXXX 
I am requesting CFPBs help to ensure that this error is corrected, the chargeback is honored, and that the XXXX balance and collection XXXX are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. Please find my details below for your reference : - Full Name : XXXX XXXX - Social Security Number : SS # : XXXX - Date of Birth : Date of Birth : XX/XX/year> - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additionally, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift respone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted dispute letters to Equifax, Experian, and TransUnion in XX/XX/2025 regarding an inaccurate collection account reported by XXXX XXXX XXXX, originally associated with XXXX. 
I requested a full reinvestigation under FCRA XXXX and validation of the account under FDCPA XXXX. I clearly stated that I did not recognize this debt and requested documentation including : A signed contract or original agreement, Proof of assignment from XXXX to XXXX XXXX, A full breakdown of the charges, Evidence the debt is within the Texas statute of limitations. 
Despite sending these disputes, the bureaus either failed to respond with proper documentation or verified the account without producing any proof of accuracy or ownership. 
This failure violates FCRA 1681e ( b ) and 1681i ( a ). I am attaching all original dispute letters for reference. I am requesting the deletion of this unverifiable account from all credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: NH

Complaint narrative:
Please refer to complaint ID XXXX for full details. My issue is not yet resolved so I am disappointed that the case is closed. I am requesting proof of funds in the XXXXXXXX XXXX as the XXXX XXXX tell me that they return monies to sender that arrive to closed accounts. The tracking ID is not the same as proof of received funds. I am requesting a refund or proof of funds in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against cashapp ( Block inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) .Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further more, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: AR

Complaint narrative:
First off I am not trying to get a credit card! I dont want to get a credit card. I dont need a credit card! I have received continuous calls daily for over XXXX weeks starting with the first call claiming to be from US Bank that I dont answer then several calls follow with potential spam XXXX calls XXXX after the other that dont leave voicemail. I am XXXX and these calls are causing a lot of stress!!! 
Today I answered XX/XX/year> and a XXXX accented man said someone in XXXXXXXX XXXX was trying to get a credit card in my name. They provided my XXXX but it wasnt entirely correct and then asked me if I knew anyone in XXXX who would be wanting to open a credit card. I told them no. They then provided me with a number and transferred me to XXXX  and another XXXX accented man asked me for my code number saying he was with XXXX XXXX XXXXXXXX and could inly help me with the code number. I told him I didnt trust this and would call XXXX  myself which made him angry and hung up. 
Numbers XXXX US Bank XXXX US Bank XXXX potential spam XXXX potential spam XXXX potential spam XXXX potential spam XXXX potential spam XXXX US Bank XXXX XXXX potential spam This is the barrage of calls I get twice a day every day like rapid fire when I dont answer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: SC

Complaint narrative:
I Never done business with XXXX XXXX XXXX and I have asked them on several attempts to remove the collection account from my credit reports. They have yet to send me copies of the original agreements. They have yet to send me proof of who they spoke to @ XXXXXXXX XXXX. I am not liable for this debt with XXXXXXXX XXXX  I do not have a contract with XXXXXXXX XXXX. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CO XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-17 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
I am formally contesting all inaccurate, unverifiable, or undocumented information appearing on my credit report. This notice challenges each of the following accounts, inquiries, and personal information entries under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the required Metro 2 Data Reporting Standards.

You are obligated to conduct a reasonable investigation and provide verifiable physical evidence that proves the accuracy, permissible purpose, and origin of these entries. Failure to do so requires immediate deletion. 

ACCOUNTS BEING CHALLENGED : XXXX XXXX XXXX COLLECTIONS BEING CHALLENGED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES BEING CHALLENGED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 PERSONAL INFORMATION BEING CHALLENGED : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Employer : XXXX Incorrect Employer : XXXX Incorrect Date of Birth : XXXX You are required to correct or DELETE any item that lacks : Verifiable documentation supporting the accuracy and legitimacy of the entry Evidence of my signed authorization or permissible purpose under FCRA 1681b Full Metro 2 compliance including account classification, payment rating, and status coding Proof of compliance with reinsertion notice requirements under FCRA 1681i ( a ) ( 5 ) ( B ) Legal Notice : You do not have the legal right to force communication or contact with me unless backed by a written agreement or valid court order. Any further actions that cause harm or attempt coercion may be considered harassment or extortion under state law and will trigger legal consequences.

If you continue to report unverifiable, inaccurate, or outdated items, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursue claims in Small Claims Court.

I demand that you send physical documentation of your investigation findings and an updated copy of my credit report reflecting the corrections or deletions.

Failure to respond properly within 30 days will confirm your willful non-compliance and may result in legal action.

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