vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Name of Company : Well Fargo Background : I have maintained bank accounts with Well Fargo since XXXX. Last Fall I had seven accounts with the said bank ( 5 personal/2 business ) total value approximately {$300000.00}. 
The business is a XXXX XXXX XXXXXXXX business, who clients are solely federal, state and county governments. 

XX/XX/XXXX I received a letter from Wells Fargo informing me they would be closing one of my business accounts. A few days later, I received another letter informing me they would be closing my second business account. They did not close any of my personal accounts. 

No reason was provided for the business account closures with the exception of " We recently reviewed your account relationship and, as a result of this review, we will be closing your above referenced accounts. '' I contacted my local Wells Fargo branch which was not aware, and in disbelief, but upon taking the issue higher was told nothing could be done to fix the problem. When asked what was the problem, all parties were told by the XXXX XXXX, SD support office '' we don't have to tell you ''. 

In early late XX/XX/XXXX I contacted the executive office ( via phone ) of Wells Fargo and they initiated an investigation. Three weeks later I received a reply from that office saying that the investigation was closed with no change in their decision. 

In XX/XX/XXXX, I contacted the Office of the Comptroller ( OCC ) and requested an investigation. They initiated an investigation ( if you could call it that ) and had Well Fargo review my complaint, and respond back to me. Wells Fargo responded back to me that upon review again the case was closed. 

Finally, XX/XX/XXXX I received a letter back from the OCC informing me they had received word that Wells Fargo had responded to me and they were closing the matter.

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 2025-04-03 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-03 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
According to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) states that if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector shall not communicate further with the consumer regarding that debt, except to notify the consumer of specified remedies that may be invoked by the debt collector or creditor. You have violated my rights by in lawful communications. Please remove this collection off of my credit report, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I am requesting the full description of investigation according to 15 USC 1681i ( 7 ). I have supplied proof under of estoppel by Silence, XXXX vs XXXX Mo XXXX XXXX, XXXX. I assume that no proof has been given of the debt and items listed below. 
Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting the full description of investigation according to 15 USC 1681i ( 7 ). I have supplied proof under of estoppel by Silence, Engelhardt vs Gravens Mo 281SW 715, 719. I assume that no proof has been given of the debt and items listed below. 
Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc
State: NV

Complaint narrative:
I was looking over my credit report and noticed that a company that I never recognized before was on my credit report. They had no idea who I was, but just wanted to damage my credit. The company name is Synergetic communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: LEXISNEXIS
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-04-03 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: SC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-04-03 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$780.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$20000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8500.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6800.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$410000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$42000.00} Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Open Date : {$90000.00} Balance : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX & XXXX  Account XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$550.00} Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$14000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$8200.00}

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 explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I did not authorize all the inquiries by these companies

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: AL

Complaint narrative:
I did not authorize all the inquiries by these companies

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 2025-04-03 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: MI

Complaint narrative:
This company is in violation of the 15USC 1635 and 15USC1692g. Please investigate See Attached

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 2025-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase bank sent me a letter in the mail to my home address in Florida letting me know I have a credit card account that opened 2 years ago that I never used and if I dont start using it they would close it. 
I didnt recall applying for the credit card at all so I took the letter to my local Chase branch who confirmed the letter was legit. The letter did not include the credit details or the interest rate. The representative at the bank only gave me the card credit limit amount and not the interest amount. She sent me in an office to speak with Chase branch over the phone to verify my information so they could mail my card to my address. I received the card in the mail a week later. No interest rate was listed on the documents. I started using the card. Eventually I downloaded the app so I could make my first payment. Thats when I seen the interest rate was XXXX  % which is too high. If I knew that I wouldnt have allowed them to mail the card to my house. I also wouldnt have used it. I called Chase today to see how they can help me catch up my account and the representative told me they would only be able to waive {$120.00} off of my balance of {$2000.00} which would bring the balance to {$1900.00}. I then asked if I would be able to resume using my card once I got the account caught up to date and she said no because the account is closed already but its not charged off. The account is still with Chase however I would have to apply for a new credit card once the balance is paid in full. So I asked if the account can be charged off and/or fully closed to stop interest from accruing since its 25.99 % and they said no. I requested a supervisor and spoke with XXXX badge # XXXX who confirmed with me what the previous rep said. She advised theres nothing I can do about the interest or closing the account or charging it off. I have to wait 180 days until they automatically do it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-03 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
I am disputing the collection account being reported by Receivable Management Services ( RMS ). I requested validation of the debt, including the original signed documentation, itemized billing, and proof of legal ownership. RMS failed to respond or provide any of the legally required validation under the Fair Debt Collection Practices Act ( FDCPA ). 

This account continues to be reported inaccurately on my credit report without proper documentation, verification, or consent. RMS has not proven that I owe them this debt or that they have the legal right to collect on it. 

I am requesting the immediate removal of this account from all credit bureaus for failure to validate and non-compliance with FDCPA and FCRA regulations.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Climb Credit Inc.
State: GA

Complaint narrative:
I have made numerous attempts to rectify the matter by contacting the companies directly as well as contacted the reporting agency to obtain pertinent information as to the method of verification used to verify the validity of the account status. In response I only received a generic letter stating the account had been verified yet nothing in regards to the processed used to verify the accuracy. One reporting agency ( XXXX ) even prolonged the process by saying my personal information submitted was not legible and that I had to resubmit the request even though the exact same information was submitted and accepted by the other agencies. I have retained a copy for my records. 

Letters were submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The same generic responses each time. 

I'm not sure as to the dollar amount however there are XXXX accounts reporting in the same time frame about a XXXX months apart. XXXX account XXXX XXXX reporting more than 30 days late on XX/XX/XXXX and the other is Climb Credit showing 30 days late reported on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MI

Complaint narrative:
In violation of the 15 USC1692g and 15USC1635. Please investigate

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 2025-04-03 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: MI

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
I have been a victim of identity theft and i have complied with what i researched to do. When you dispute with the bureaus, they just verify the accounts. I filed th efraud affidavit and police report to have these accounts blocked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
I have been a victim of identity theft and i have complied with what i researched to do. When you dispute with the bureaus, they just verify the accounts. I filed th efraud affidavit and police report to have these accounts blocked

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