vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
This information with considerable additional details has been provided in previous now closed complaints. Cancelled checks, account statements, phone records and other miscellaneous documentation can be provided upon request. 

I have requested Fifth Third Bank provide a statement showing the daily rate paid on my account on a daily basis. They have asked I trust their summary of same. I do not. Extending trust to Fifth Third is how this all stated. 

Fifth Third Bank aggressively solicited my business by repeatedly offering an a fixed 5.3 % interest rate to be paid on funds deposited into a money market account for a specified period. The end date of this promotion was extended a few times. This extension was communicated variously by mail, by flyer, by phone and in person through XXXX XXXX, a Fifth Third agent. 

I was warranted by Fifth Third through its agent XXXX XXXX I would receive fixed rate of 5.3 % on my Money Market Account until a future unspecified date. Fifth Third Bank further guaranteed through this same agent both by phone and in person I would be notified if this rate were to change. 

Based on those warranties I made signification additional deposits. Each time prior to making one I would contact Fifth Third Bank by phone and confirm the rate. I then followed up with in person confirmation with the Fifth Third agent, XXXX XXXX, who initially opened my account. Other confirmation was by XXXX other agents of Fifth Third and is noted on at least XXXX check in the subject line. 

On XXXX I learned the rate changed only after the fact through an account statement which arrived on that date and indicated an average percentage yield of XXXX had been paid for the previous 30 day period ; a period during which I had made XXXX additional deposits based on the confirmed ( by phone and in person ) and guaranteed rate. I was not notified this was to happen as I had been warranted I would be. 

I lost both immediate earnings and lessened earnings through today 's date and beyond due to the loss of income caused by the lowering of rates in the market place during the period they held my funds only because they misrepresented what they were paying me. 

I was never called by the Fifth Third Bank agent, XXXX XXXX, who assured me repeatedly he would call if the rates changed. This has largely gone unaddressed in the responses from Fifth Third. 

In that I reported this matter to Fifth Third initially on XXXX ( initially by phone and at XXXXXXXX XXXX in person ) and have since spend untold hours contacting numerous departments up to the unresponsive president of Fifth Third and countless outside agencies. 

I request a reasonable offer of compensation for those efforts a client should not be required to expend.This is in addition to being compensated for the loss of interest through XXXX resultant from the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
Inaccurate information appears on my XXXX credit reports from Experian, TransUnion, and Equifax. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that credit reporting agencies maintain accurate and verifiable information.

Inaccurate Information : Creditor Name : Freedom Mortgage Account XXXXXXXX XXXX XXXX XXXX XXXX Inaccuracy : The open date on this account show a discrepancy on my report. XXXXXXXX XXXX reported to Experian and Equifax that this account was opened on XX/XX/year>, however, they are reporting to XXXX that this account was opened on XX/XX/year>. Additionally, inaccurate late payments are being reported to the three credit bureaus.

This inaccurate information is being reported by all three major credit bureaus, causing significant harm to my creditworthiness and potential violations of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-05-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-21 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: TX

Complaint narrative:
Im contacting you because my personal information was compromised in a data breach, resulting in fraudulent accounts on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXX * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX CBNA Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX 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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESISTCollection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your ofice. I am writing to verify that you havecontacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or theoriginal creditor.In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the followinginformation:1. 2. 3. 4. 5. The name and address of the original creditor and the current creditor.Verification of the debt amount you are seeking to collect, including evidence thata contract exists creating the amount you claim is owed.Documentation of all assignments showing the transfer of the debt from theoriginal creditor to the current creditor.Proof that the original creditor securitized the debt.Documentation showing the assignments of the debt from the original creditor tothe secured trust and then back to the original creditor.Please cease and desist from collecting on this debt until you have provided validation of thedebt.Additionally, I request that you do not access my credit report or report anything to my creditbureaus. I dispute the validity of this debt amount, and this dispute should be reflected on mycredit report if you have already reported this debt.Permissible PurposePlease state your permissible purpose for accessing my credit information. I dispute your rightto do so.Notification to Other CollectorsI dispute that I owe this debt to you. Should you transfer this debt to another collector, pleaseinform them of my dispute regarding the validity of this debt.Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, my husband I were served a summons and a complaint that said we were being sued for {$3600.00}. This was from a company called Evergreen Financial Service Inc., a company we have never heard as well as this being the first time I was ever contacted by them. From the document they provided, it looks like there was an invoice that was dated for billing on XX/XX/XXXX from XXXX XXXX XXXX in amount of {$4.00}, XXXX as well as medical insurance covering a portion leaving the remaining balance of {$2700.00}. This medical bill also has our address listed as XXXX XXXX XXXX, XXXX, WA XXXX, whereas our address is XXXX XXXX XXXX. There is a clerical error on the billing side because we have lived at our residence of XXXX XXXX XXXX, XXXX WA XXXX since XXXX. If they were sending medical bills to XXXX XXXX XXXX, XXXX WA XXXX, then I can see why I never received a bill or notification. It was not until we got the Summons and Complaint that I found out that we had an outstanding bill. This only reflects that there was a clerical error on the side of the hospital as well as Evergreen Financial Services , Inc., for never following up on my correct address that I lived at to provide me proper notice, enough time to discuss this matter, and respond appropriately. This is unfair and illegal business practices and tactics from Evergreen Financial Services , Inc., to try to sue us for a debt that I was not properly given notice and time to receive all documentation on my file and time to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I dispute it no response. I have the food and the letters for Experian I reset again. This is my third time no response from them or the creditors. I would like this to be removed. This illegal is not there to me and is folding me up behind my house thank you.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was charged overdraft fees by U.S. Bank even though my account balance showed positive when I made my transactions. I closely monitor my balance because I am low income, and the overdraft charges dont make sense based on what I saw in my account. 

I called customer service and the representative tried to talk me out of speaking with a supervisor. After about XXXX minutes, I was transferred to a supervisor who was extremely rude and dismissive. She told me, without hearing my full explanation, that there was nothing they could do and even said they couldnt help me close my account. 

I have never had fees reversed before, and I feel like I was treated unfairly and denied any form of resolution. I tried to leave feedback through the app and website, but they made it very difficult to find where or how to submit a complaint. 

I am requesting a full refund of the overdraft fees and an apology for the unprofessional customer service experience.

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 2025-05-21 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> 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 generallf, 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.

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 2025-05-21 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
To Whom It May Concern : I am filing this formal complaint and dispute concerning inaccurate or incomplete information being reported by Credence Resource Management on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Account Name : XXXX XXXX Account Number : XXXX Reporting Agency : XXXX and XXXX  Nature of the Dispute : The information being reported is inaccurate and/or unverifiable. 

Under the FCRA, I have the right to dispute inaccurate information and to request that it be investigated, corrected, or deleted if it can not be verified. I am requesting that the CFPB compel the furnisher and credit reporting agencies to : 1. Conduct a full and fair investigation of this dispute.

2. Provide a detailed explanation of the verification method used.

3. Remove or correct the inaccurate information if it can not be fully verified.

4. Provide me with written confirmation of the outcome.

Please consider this a formal complaint and request for resolution under your authority. I appreciate your assistance in ensuring that my rights under the FCRA are protected. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: AL

Complaint narrative:
On XX/XX/year>, I sent a complete identity theft block request to Experian by certified mail ( Tracking # XXXX ). This included : * A valid FTC Identity Theft Report * A government-issued ID * A full credit report with the fraudulent/inaccurate accounts clearly marked The following accounts were disputed as fraudulent or inaccurate : * * Upstart XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX  XXXX * * all are showing late payments or negative information that do not belong to me and are the result of identity theft. Experian is in knowing violation of federal law by continuing to report these fraudulent and inaccurate items after receiving full documentation, making them liable for willful noncompliance under 15 U.S.C. 1681n.

Under 15 U.S.C. 1681c-2, Experian is required to block these items within 4 business days of receiving my complete documentation. Instead, they : * Refused to block the accounts * Did not issue a written denial notice, as required by 1681c-2 ( c ) * Claimed 'insufficient information ' but could not explain what was missing * Failed to conduct a reasonable investigation under 1681i ( a ) * Refused to disclose their investigation procedures under 1681g When I asked to escalate the matter, a fraud supervisor told me : XXXX % no one can do it, sir and I am not going to block those items. 

These are direct refusals of my federally protected rights, even after submitting all required documentation. This is willful noncompliance and bad faith under the FCRA. I have spent over \ {$500.00} in postage and effort to resolve this, and the continued false reporting is damaging my credit, finances, and emotional wellbeing. 

I am requesting : 1. Immediate blocking/deletion of all disputed accounts 2. A formal written explanation of Experians actions 3. {$10000.00} in damages under 15 U.S.C. 1681n & 1681o for : * Financial harm * Emotional distress * Time lost and expenses incurred * Willful and negligent noncompliance I am no longer submitting more documents. Experian received what the law requires. Their refusal to act is unlawful.

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 2025-05-21 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: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with explanation