vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX Services, XXXX XXXX XXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
My account XXXX is unavailable and I would like to access it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NV

Complaint narrative:
Dear Team, I am writing to formally address an issue regarding an unauthorized withdrawal from my account in the amount of {$500.00} that occurred starting on XX/XX/year> and cleared XXXX XXXX. 
Upon noticing this transaction on the XX/XX/XXXX, I immediately contacted Charles Schwab by phone to request that they block the unauthorized withdrawal. Unfortunately, the representative I spoke with refused to do so and advised me to wait until the transaction was processed the next day. As a result, the unauthorized funds were successfully withdrawn, causing a financial loss of {$500.00}. 
On XX/XX/year>, I submitted a formal complaint to Charles Schwab via their messege center, citing the relevant banking rules including the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 C.F.R. Part 1005 ) and requested a credit for the {$500.00} loss which occurred at their direction and that they conduct and investigations right away. I also asked for a written response regarding this matter. However, the response I received on XX/XX/year>, did NOT address the credit issue at all, vaguely mentioned that the investigation would take up to 90 days and that a rep may reach out to me only if they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint because Wells Fargo failed to honor an activated " My Wells Fargo Deals '' cash-back offer for an eligible purchase made on my Wells Fargo XXXX XXXX XXXX XXXX XXXX This is the only Wells Fargo card I hold, and I was able to activate the deal via the mobile app/online platform. 

Deal Details : XXXX XXXX XXXX, 10 % cash back, activated XX/XX/year>. 

Transaction Details : An XXXX transaction of {$100.00} was posted on XX/XX/year>. The purchase was an XXXX XXXX XXXX order and met the deal 's terms and activation/expiration dates. 

Bank 's Response : I first contacted Wells Fargo on XX/XX/year> regarding the missing credit. In a response letter dated XX/XX/year>, Wells Fargo claimed I did not earn the credit because " Payment was made using Wells Fargo XXXX XXXX XXXX XXXX which does not qualify for My Wells Fargo Deals ''. 

Dispute : I dispute this claim. I was able to successfully view and activate the deal for this card. Wells Fargo did not provide any information that the XXXX XXXX XXXX XXXX was ineligible when viewing or activating the deal. The provided program terms and conditions do not explicitly list this card as ineligible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 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: TN

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025, INQUIRY - XX/XX/2025 In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 
A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/XXXX, Bank of America applied a {$14.00} credit to my credit card ( last four : XXXX ). When I called XXXX, the representative told me the small credit canceled my scheduled autopay ( my setting is statement balance ). My statement due date was XX/XX/XXXX. 

Because the banks system would only allow processing effective XX/XX/XXXX ( not XX/XX/XXXX ) to fix the banks errorand phone agents said they had no ability to correct itI was forced to use a different funding account ( ending XXXX ) to ensure payment. That payment should be honored and credited as on-time for the XX/XX/XXXX due date. I received no clear advance notice that a small credit would cancel a scheduled autopayment. 

Key facts : Autopay setting : Statement balance Due date shown on statement : XX/XX/XXXX Credit posted : {$14.00} on XX/XX/XXXX system canceled autopay Bank limitation : only allowed effective XX/XX/XXXX processing, hence paid using account ending XXXX to avoid harm ; agents said they couldnt fix to XX/XX/XXXX Fees/interest : none ; payment should be marked on time Why this is a compliance problem : Reg ZPeriodic statements & due dates : The due date must be disclosed and the same day each cycle ; issuers must have reasonable procedures around statement timing and not treat payments as late within required periods. A system that cancels consumer-authorized autopay due to a small creditthen wont allow timely creditingundermines those rules. 12 C.F.R. 1026.7 ( b ) ( 11 ), 1026.5 ( b ) ( 2 ) ( ii ).

Reg ZCrediting of payments : Payments that meet reasonable requirements ( including promoted methods ) must be credited as of the date of receipt ; internal processing limitations arent a valid basis to delay
crediting. 12 C.F.R. 1026.10 ( incl. ( b ) ( 2 ) ( ii ) ).

Reg ZBilling error resolution : If the banks system failed to process an authorized payment as intended, it should be treated and corrected under 1026.13 timelines.

Reg ZCredit balances : 1026.21 governs how credit balances are handled ; it does not authorize canceling scheduled autopayments.

UDAAP ( CFPA ) : Designing/operating an autopay system that silently cancels payments due to small creditsand then blocks timely correctioncan be unfair or abusive. 12 U.S.C. 5531, 5536 ; CFPB XXXX Abusiveness Policy Statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX confirmed in chat my {$81.00} internet balance was credited as a one-time courtesy. They said my account was settled, but instead of applying it to the closed internet account, they placed it on my wireless account. Despite this, XXXX XXXX reported it as a new collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint regarding the premature charge-off of my Sallie Mae private student loans.

Timeline of Events : XX/XX/year> I submitted my monthly payment as scheduled. 
XX/XX/year> I received notice that the payment had been rejected. I immediately attempted to correct the error, but the loans were no longer available in my account. 
XX/XX/year> I received by mail a Notice of Right to Cure Loan Delinquency dated XX/XX/year>, which stated that I had until XX/XX/year> to cure the delinquency. 
XX/XX/year> I called Sallie Mae to make payment for the past due amount, but was informed my loans had already been charged off on XX/XX/year>. 
Issue : Sallie Mae charged off my loans before the cure deadline provided in their written notice. Despite my attempts to make payment before the XX/XX/year> deadline, Sallie Mae refused to accept it. This action was premature, inconsistent with the cure notice I received, and has caused harm to my credit. 

Attachments : Payment submission confirmation ( XX/XX/year> ) Rejection notice ( XX/XX/year> ) Cure notice dated XX/XX/year>, received XX/XX/year> I respectfully request that Sallie Mae correct this matter promptly. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS LLC Product or service : Debt collection, credit reporting Company : Jefferson Capital Systems LLC Issue summary : I dispute the collection account Jefferson Capital is furnishing. I never signed a contract with this company. I do not owe Jefferson Capital. The tradeline lacks validation and authorization. 

Account details : Account number : XXXX Reported balance : XXXX dollars Reported opened : XX/XX/year> Facts : I have no agreement with Jefferson Capital.

I did not authorize Jefferson Capital to obtain, use, or report my personal information.

The account appears on my credit reports without a signed contract, itemized statements, or proof of ownership.

I dispute the accuracy and the legitimacy of this tradeline.

Legal violations : FDCPA, 15 U.S.C. 1692g ( b ) : cease collection until validation.

FDCPA, 15 U.S.C. 1692e and 1692f : false, misleading, or unfair practices, including reporting disputed, unvalidated debt.

FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ) : duty to furnish accurate information and correct errors.

FCRA, 15 U.S.C. 1681s-2 ( b ) : duty to investigate and delete or correct after notice of dispute.

12 C.F.R. 1022.42 and 1022.43 : accuracy and integrity duties, and direct dispute investigation duties.

California Rosenthal Act, Cal. Civ. Code 1788.17, incorporating FDCPA.

Requested relief : Delete the Jefferson Capital tradeline from all consumer reports.

Cease and desist all collection and reporting on this account.

Provide, in writing, all documents you relied on : original signed contract with the original creditor, full itemized account history, billing statements, notice of assignment, bill of sale, chain of title, data dictionary and furnishing records, date of first delinquency, and any forward flow or purchase agreements that establish ownership and authority to collect and report. 
Provide the complete results of your investigation and the procedures used. 
Confirm deletion within 15 days. 
Provide compensation for statutory and actual damages, plus costs. 

Attachments to be provided by me : Government ID and social

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
My credit was ran and it show up as a collection account. I have never had a sprint account. 

Collection information XXXX XXXX XXXX XXXX Closed XX/XX/XXXX Open date XX/XX/XXXX Close Date XX/XX/XXXX Collection XXXX {$6100.00} XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX in connection with debt XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MN

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-10-02 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: NJ

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this 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 2025-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
PROFESSIONAL DEBT ME Upon reviewing my credit report, I discovered that I have been the victim of identity theft and that my personal information was compromised. As a result, a rental agreement using my personal information was fraudulently opened by a property management company named XXXX without my authorization or consent. This account was later sold to XXXX XXXX. It is currently being reported as a derogatory collection account with a balance of {$5900.00}, and it was opened on XX/XX/year>. I did not apply for, open, or authorize any rental agreement associated with this account in any way. 

I am requesting that this account be fully investigated, verified as fraudulent, and permanently removed from my credit file, along with any negative information, inquiries, or notations associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I opened a checking account with Schwab on XX/XX/year>. After funding the account with {$250.00} on XX/XX/year>, Schwab was set to send out the ATM card for the checking account. During the time ATM card was sent out, my whole HOA community was the victim of mail theft. My ATM card was somehow activated ( personal information is generally required ) and {$240.00} was withdrawn. I reach out to Schwab to report this as well as the United States Postal Inspection Service. Schwab did credit me back the {$240.00}, however they would not tell me how my ATM card was activated and what personal information was used to activate the card.

Company response to consumer: Closed with explanation