vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am writing to formally request a review of the recent decision to close my Wells Fargo account ending in XXXX. 

On XX/XX/year>, a client mistakenly sent a XXXX transfer of {$720.00} to my personal account instead of my business account. As soon as I noticed the error, I immediately returned the entire amount to the sender on the same day. This was a simple human mistake, corrected without delay, with no financial loss to any party. 

Despite this, I recently received notice that my account will be closed, citing unauthorized or suspicious transfers. I also discovered that my debit card and XXXX XXXX were deactivated without prior notice, leaving me unable to access my account normally. 

I respectfully request the following : A clear explanation of why this corrective action, promptly returning funds, was classified as suspicious. 

A review of my account history shows that I have maintained my account responsibly, without fraudulent or abusive activity. 

Reconsideration of the closure decision, or at a minimum, assurance that this incident will not negatively impact my banking record with XXXX  or other reporting agencies. 

This decision feels disproportionate to the facts, and I hope Wells Fargo will demonstrate fairness by reconsidering it. I have been a loyal customer and wish to maintain my banking relationship. 

Please confirm receipt of this message and advise me of the next steps. 

Sincerely, 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 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
Had a garnishment on my account file number XXXX. Been paid in full for months. theyve continued to take money out of my paycheck well over {$2000.00}. With the knowledge that its already been paid in full they are refusing to stop taking money from my payroll and or refusing to send the money back to me that they have overtaken. I have been contacting them for months and theyre not doing anything about it and refusing to stop this illegal action of stealing money that doesnt rightfully belong to them from me. 
Their address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone 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 2025-09-24 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT 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 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 2025-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
Regarding : XXXX XXXXXXXX XXXX XXXXXXXX I obtained a copy of my credit report in XX/XX/year> and noticed that this account contained inaccurate information. I asked Equifax to do an investigation in XX/XX/year> to verify the accuracy of this account. Unfortunately, not only was the inaccurate information not removed, the account was updated to contain even more inaccurate information. I asked Equifax again in XX/XX/year> to verify the accuracy of this account, they claim they did, but not only did it remain full of inaccurate information but the information which Equifax claimed to verify the first time changed again. 
I have no choice, but to spend the next few days pointing out these factual inaccuracies which will unfortunately for Equifax prove to the CFPB that Equifax is not verifying the information on this account as required by federal law under the FCRA. 
Therefore, I am formally disputing the accuracy of this account. In the payment history section of this account on Equifax for the month of XX/XX/year>, it shows 60 days past due In the payment history section of this account on XXXX  for the month of XX/XX/year> it shows charge off. In the payment history section of this account on XXXX  for the month of XX/XX/year> it shows repossession. ( see attached documents ) Which one is right? This is clearly inaccurate information on this account, which changed after Equifax said it was verified and then changed again after I asked Equifax to verify it. 
How can Equifax say they verified this information when it changed twice in the last to months from the original information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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:
In XX/XX/XXXX, I noticed that my credit report contains several accounts and inquiries that I never approved. These accounts do not belong to me. This fraudulent activity has been very stressful and has left me feeling worried and frustrated. The accounts in question include : XXXXXXXX XXXX XXXX Opened in XX/XX/XXXX ; XXXX XXXX XXXX Opened account Opened in XX/XX/XXXXXXXX XXXX XXXX XXXX Revolving Opened in XX/XX/XXXX. Additionally, there are several unauthorized inquiries on my credit report : XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, and XXXX XXXX inquired on 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 explanation
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I am urgently requesting that my profile information be updated by Experian. I have recently changed both my phone number and my address, but despite repeated attempts, I have been unable to make these updates online. For over a week, I have called Experian countless times, yet I have not been able to speak with a single agent.

It is incredibly frustrating that so much in our lives depends on credit, yet credit bureaus like Experian seem to ignore serious issues and fail to provide the help needed to resolve them. This situation is causing significant problems and challenges for me, as Experian has made it nearly impossible to access an agent or representative. Phone calls are routed entirely through automated systems, which can not solve my problem.

I am prepared to take serious action because this issue is critical being locked out of my account for more than several weeks is unacceptable. The way Experian is handling this is harmful to me and my life. This needs to be improved ; it is not fair, and it is not right.

It is deeply concerning that a company as large and important as Experian relies almost entirely on automated systems without giving customers in urgent situations a clear way to reach a live representative.

The system continues to send security codes to my old phone number, which I no longer have access to. This makes it impossible for me to verify my identity or update my profile, leaving me locked out of my account.

This is not only unfair but extremely harmful, as credit bureau records are essential to our financial lives. Denying access to human assistance in urgent cases causes real distress and prevents customers from protecting their credit profiles. I must emphasize that this is unacceptable, and I am prepared to pursue further legal action if my request is ignored.

Please update my account immediately ; I need to access to my account as soon as possible Experian should not send any correspondence to my old address, as I can not receive mail there. I am attaching my identification documents to verify my identity.

This matter is critical and must be resolved without delay.

Sincerely,

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 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Brett M. Borland, P.C.
State: TX

Complaint narrative:
I am disputing a debt being reported and collected by Law Office of Brett M. Borland P.C. relating to my former apartment at XXXX XXXX. 

I vacated the residence on XX/XX/XXXX. 

Under Texas Property Code 92.104, a landlord must provide an itemized final accounting of charges within 30 days after move-out. 

I never received this accounting within the required timeframe. I only became aware of any alleged balance on XX/XX/XXXX, when I contacted the property management office directly, nearly XXXX months later. 

The landlord has since produced a Final Account Statement dated XX/XX/XXXX, but it was never delivered to me as required by law. By failing to provide timely notice, the landlord forfeited their right to collect under Texas law. 

Despite this, Law Office of Brett M. Borland P.C. is attempting to collect on this debt and has reported it to the credit bureaus. 

I sent a written dispute and request for validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). I requested documentation showing compliance with Texas notice deadlines and proof that the agency has the legal right to collect. To date, they have failed to provide proper validation but continue collection activity.

This conduct violates both : FDCPA ( failure to provide proper validation, continued collection without proof ), and FCRA ( 15 U.S.C. 1681i ), as the account is inaccurate and incomplete due to the landlords forfeiture of rights under Texas law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I am disputing the accuracy, validity, and legality of two collection accounts reported by LVNV Funding LLC : Account # : XXXX Reported balance : {$960.00} Account # : XXXX Reported balance : {$1700.00} I have no verified relationship with LVNV Funding or the original creditor for either account. I sent formal written requests for debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and disputed the accounts under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( b ) ). I also issued a cease-and-desist demand under FDCPA 805 ( c ).

LVNV Funding has failed to provide : A signed original credit agreement or contract Full itemized statements explaining the alleged balances Chain of title / assignment from the original creditor to LVNV Proof the debt is legally within the statute of limitations Any documentation justifying their reporting to the credit bureaus Instead, they sent generic form letters or summaries, which do not meet legal requirements for validation under FDCPA or FCRA. Courts have ruled that such responses are insufficient ( e.g., Clark v. Capital Credit, Chaudhry v. Gallerizzo ).

Despite this, LVNV Funding has continued to : Report these unvalidated accounts to XXXX, XXXX, and XXXX  Ignore my cease-and-desist demand Deny or ignore my dispute and validation requests This conduct violates my rights under FDCPA and FCRA, is causing damage to my credit, and creates undue stress.

I'm also citing the following relevant legal actions that were taken against this debt collections recently : Johnson v. LVNV Funding, LLC, No. 23-cv-00412-WQH-BLM ( S.D. Cal. 2023 ) : Court upheld consumer claims that LVNV illegally continued reporting a disputed account without proper validation.

Fitterer v. Resurgent Capital Services, L.P., No. 21-19068 ( D.N.J. 2024 ) : Alleged failure to properly validate and report accurate data.

Maryland State Enforcement Action ( 2025 ) : {$1.00} million penalty against LVNV and Resurgent for improper licensing, lawsuits, and consumer harm.

These cases show a pattern of noncompliance and confirm that my situation is not unique.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 did not open his accounts please remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I did not open his accounts please remove 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 non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I would like to have someone in a higher titled position to pleasecontactme. I am a month behind in my mortgage {$1500.00} and have been harassedvia email, cell phone, work phone as well as they contacted my XXXX  ex husband ( XXXX on him ) who in return now has started to harassand threaten me again. This should never have happened. I could see if I was three months behind in payment. My mother had XXXX XXXX  backto back and I needed to forgo one months mortgage payment and explainedthat to them. I'm not trying to losemy home I'm trying my best to get back up to date and in good standings with my mortgage however, due to the boroughs tax increase {$200.00} more a month it makes it a bit more difficult. I do not feel safe ever since they contacted my XXXX   ex husband who contacted me.. I'm upset and now having to keep looking over myshoulder and reverting back to being scared and walking on eggshellsbecauseof this, Thank you in dance for your assistance.

Respectfully, 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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I contacted L.L Bean and informed them that I did not apply for this master card and that I was a victim of identity freud, they mentioned they would remove the application from their system and contact the credit agency and have the inquiry removed due to freud.

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 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-09-24 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: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX XXXX Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXXXXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX  ] [ XX/XX/year> ] [ XXXX ] [ XX/XX/year> ] [ XXXX ] [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has been a disappointing bank, causing me to lose thousands of dollars. I XXXX XXXX XXXX XXXX and need to pay for equipment. They placed a hold on my account for a check I deposited on XX/XX/2025. The bank has already withdrawn the funds but refuses to release them. I received a letter from the bank, along with the cashier 's check image confirming that Bank of America has indeed received the funds. Now they don't want to release the check until XX/XX/2025 putting a huge financial burden and butting my health at risk.

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