vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Timeline of events XXXX I wrote out a check for XXXX dollars to be made payable to the IRS through my citizens bank account. I sent the check through the mail that day, XXXX Check is cashed with the name XXXX XXXX written over IRS and their name signed over mine. The amount is written over and changed from the original XXXX to XXXX. 

XXXX-My accountant contacts me, informing the IRS has reached out to her because they never received my payment. I discovered the fruadulant check that had been cashed on XX/XX/XXXX by XXXX XXXX. 
I immediately meet with XXXX XXXX from citizens bank branch in XXXX. He contacted the fraud department and I was given a case number. 
I also contacted the Post office and reported this since the check was stolen through the mail. 
I file a police report with the XXXX branch of the XXXX Police department I contact the IRS and report the theft. 

XXXX/XXXX/XXXX XXXX from Citizens Bank XXXX XXXX has already escalated my case with no luck of receiving a response. He contacts XXXX XXXX from Citzens asking for assistance. The case is given over to XXXX and my claim number is changed. 

XXXX XXXX My case is given over to a woman named XXXX and my claim number is once again changed. 

XXXX XXXX from Citizens Bank customer service calls me and tells me my case has been closed. She offers me no explanation. 

After this happened I started to go down to Citizens Bank in XXXX, Ma and ask to meet with the XXXX. At first he was kind and promising to figure this out then he began to ignore and resent me. 

XX/XX/XXXX I meet with XXXX and she offered me a translater which I said yes to since english is my second language. At the meeting I am told my case was closed because I filed after XXXX. But as you can see from this timeline the check was cashed in XXXX and I didnt find out until XX/XX/XXXX. She says she will reopen my case. 

XX/XX/XXXX I received a phone call from XXXX this morning and she told their claims department has decided not to replace my money and my case is closed XX/XX/XXXX I request more information from XXXX in writing. 
She emails me back and tells me I didn't report this within 30 days so they wont refund my money. 

I dont understand why it took them over a year to tell me this, I spent a year of my time working with 3 different people from Citzens to resolve this just for them to tell me I filed the complaint to late. Theres no accountability that this person was able to steal my mail, rewrite the check and have it go unnoticed and cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
XXXX credit company constantly did not remove or investigate incorrect information on my credit report after I disputed them several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had one of my two XXXX student loans forgiven. I currently owe {$3100.00}. The {$220000.00} loan was forgiven. After many months and many calls, XXXX finally removed the balance from my credit reports. This took countless calls and many, many hours on hold. Without warning, XXXX re-reported the balance a second time many months later. It took many calls, hours on hold, and disputes to get it removed a second time from the credit reports. In the meanwhile, I was denied housing and suffered unfair hardships from having this incorrect information on my credit reports. After months of work, I finally got it removed a second time. Now, many months later again, XXXX has reported the incorrect balance on my reports a THIRD time. XXXX agrees that I just owe {$3100.00}, yet keeps reporting a false balance that is doing me great harm. I feel harassed by XXXX and feel that this is more than a simple error.

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 2025-01-30 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: GA

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. 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. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 
These are the accounts disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$5000.00} Date of Account : 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 2025-01-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health. My social security number was sold on a black market, and this is currently being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health!

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX, Collections Account, Account name : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: IL

Complaint narrative:
When I refinanced my car loan with Westlake Financial, I paid an additional {$50.00} to have my ex-spouses named removed from the title. I am my ex-spouse completed the necessary paperwork to complete the transaction. I called last month and Westlake Financial assured me that his name was removed from the title. Today, I received a renewal notice from the Illinois Secretary of State and the title still has my ex-spouses name on it. I keep calling Westlake and get no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NV

Complaint narrative:
With Equifax they are not taking care of the issues that have been reported to the CFPB. I do not give permission for them to be reporting on my credit report. Cease and desists have been sent to them. I just received an update and my credit was decreased again and nothing has been changed. Again charge offs are income and can not be reported on my credit!!!!!! Figured the lawsuit would have changed their perspective yet it has not. CFPB please enforce this as they are predatory. The institutions are fraudulent and have taken securities from me and I have not received this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am filing a complaint against Navy Federal due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Navy Federal failed to take timely and effective measure to prevent and and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Bank offers XXXX as one of their services offered. Ive been a customer for over 20 Years. Over the past several years, I have received funds into my checking account from a third party via XXXX. Over the past several days, I have been UNSUCESSFULL in sending a paltry sum of {$100.00} to my niece, who also has an account at Wells Fargo Bank. I keep getting an error message that the monies can not be sent. I have phoned numerous times to Wells customer service reps, ALL OF WHOM ARE WORTHLESS AND GAVE VARIOUS REASONS. Today, XX/XX/year>, I spoke to XXXX, a Supervisor in the Escalations Dept of Wells, located in XXXX XXXX She also proved to be worthless. Her response was that there was an error, but could not tell me who, what, where, or when. This was from their IT Dept, AND COULD NOT TELL ME WHEN THE ISSUE WOULD BE CORRECTED. This was my only attempts to send funds via XXXX. I keep well in excess of {$100.00}. in my checking account on a daily basis. 
ALL THAT I WANT TO DO IS SEND {$100.00}. VIA XXXX AND KNOW WHEN THIS ALLEGED ISSUE WILL BE CORRECTED.

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 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I, have a bank of America credit card that keeps changing the do date and monthly minimal payment, I have set up an auto pay but yet they are still charging me lat fees, I called them to try to understand why they are doing that to me! 
but they didn't help me and still charging feeds after fees. 
I don't have control over their abuse charges and I need help with it, i should report this abuse charges to all consumer affairs, i feel deeply affected by this as the economy is really bad, and the fires in California left us very deeply affective, this credit card is killing me! 
I can not work with them anymore and i need your help to at lease address these problems they are stilling from me very unfairly! 
kind regards 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 monetary relief
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Sent out letters due to 15uc1681 and ask for only correct information to be reported thats due to the fair credit report. I sent letters out notarized provided my personal information so my life can go back to normal due to birth right.

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 2025-01-31 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: AL

Complaint narrative:
Sent out letters due to 15uc1681 and ask for only correct information to be reported thats due to the fair credit report. I sent letters out notarized provided my personal information so my life can go back to normal due to birth right.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report : XXXX XXXX - XXXX - {$220.00} XXXX XXXX XXXX - {$520.00} XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX  - {$610.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$660.00} XXXX XXXX XXXX XXXXXXXX - {$9200.00} Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WA XXXX XX/XX/XXXX These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal 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 2025-01-30 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-01-30 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 2025-01-30 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX 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 non-monetary relief
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX 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