vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXXXX/XX/XXXX- XXXXXX/XX/XXXX - XXXX XXXXXX/XX/XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: KEYCORP
State: NY

Complaint narrative:
The fact that this account was considered a charge off and this company never sent me a 1099C as well as 42 USC 408 you are never supposed to ask for a social security number on any loan it's fraud and a violation of RICO. My information was exposed in the data breach and you need to remove this from my report. Do not to turn my dispute into a 30 day dispute and under section 605b, this needs to be removed within 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
The fact that this account was considered a charge off and this company never sent me a 1099C as well as 42 USC 408 you are never supposed to ask for a social security number on any loan it's fraud and a violation of RICO. My information was exposed in the data breach and you need to remove this from my report. Do not to turn my dispute into a 30 day dispute and under section 605b, this needs to be removed within 4 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Subject : Formal Complaint Regarding Improper Overdraft Fees and Deceptive Practices To Whom It May Concern, I am writing to formally dispute four overdraft fees totaling {$140.00} that were charged to my account on XX/XX/XXXX and XXXX, XXXX. These charges were improperly assessed, and Wells Fargos handling of my request for a refund is in direct contradiction to the information I was previously given by your representatives. 

On my prior call with Wells Fargo in XX/XX/XXXX, I was explicitly informed by XXXXne of your representatives that if an overdraft fee were to occur within six months, I would be eligible for a refund. There was no mention of a 12-month restriction at that time. Now, Wells Fargo is retroactively changing this policy to deny my refund request, which constitutes misleading and deceptive business practices. 

Furthermore, I never authorized overdraft fees to be applied to my account. Under federal law, consumers must opt in for overdraft protection on debit card transactions and ATM withdrawals, yet I have no record of providing such consent. If Wells Fargo is enforcing overdraft fees on my account without my express authorization, this raises serious compliance concerns. 

I am requesting the following actions be taken immediately : XXXX. Full Refund of Overdraft Fees I expect a refund of the {$140.00} in overdraft fees that were charged to my account on XX/XX/XXXXXXXX XXXX XXXX XXXX 
2. Call Record Review Wells Fargo must retrieve and review the recorded call from XX/XX/XXXX in which your representative assured me that I would be eligible for a refund if this situation occurred within six months. 
3. Written Clarification of Overdraft Policy I request a written statement clarifying your overdraft policies and my alleged authorization for overdraft fees on my account. 


Please respond to this complaint in writing within ten ( 10 ) business days. If a resolution is not reached, I will be left with no choice but to pursue all available avenues to ensure that Wells Fargo is held accountable for its deceptive and unfair practices. 

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 monetary relief
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-25 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:
Experian ( EX ) is failing to provide verifiable proof of their investigation. I've contacted them 3 times over the last 3 months and each time they've failed to send any verifiable proof. However, they claim the information has been verified. This is strict violation of 611 of the FCRA code. I need EX to be held accountable for their strict violations in the law. If they do NOT provide sufficient proof how do we know EX is performing under the color of the law. Please see the following 3rd letter I'm sending them requesting information me blocked/removed due to identity theft. How are they verifying the information if the account in questions is fraud. Please see this matter is handled to the regulations which hold them accountable. I'm including all records of the last 2 letters. Additionally, EX failed to my original letter mailed on XX/XX/year>2024 they emailed me correspondence claiming they were not going to honor my dispute because I was not the individual or they thought it was being submitted by a third party. They are failing at honoring FCRA laws and regulations. I need them to honor my disputes and if they fail to do so I seek a remedy of {$1000.00} per individual account. I've attached the original letter I mailed to EX. I need this matter honor per FCRA laws.

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 2025-02-25 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: NV

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

Also Known As : XXXX LA, XXXX Also Known As : XXXXXXXX XXXX Also Known As : 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 2025-02-25 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MS

Complaint narrative:
I talk to XXXX XXXX XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. They keep telling they waiting on it to process and they gon na send it but I had 3 different employees said they sent the check out but I never received it. They keep lying to me about my money. I keep asking them why is the employees steady lying to me but they keep saying the same thing.

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

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 2025-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
We received a check in the amount of {$300000.00} for our insurance company on XX/XX/year> due to damage related to recent Hurricane and mailed to our mortgage company. The mortgage company responded very poorly for the process and failed to release the funds timely requesting various irrelevant information ; meanwhile they refuse to pay any interest on our money they are holding almost two months now. They refuse to offer any interest payment on the money. If they do not release the funds soon or pay interest, we have to file a lawsuit.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-25 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Media Collections, Inc
State: ID

Complaint narrative:
Media Collections Incorporated XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number XXXX are guilty of violating 15 USC subsection 1681 ( a ) ( 1 ) ( A ) And 15 USC subsection 1681 s-2 ( A ) ( 3 ) Also 15 US code 6802 And 15 United States code 1692

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter to XXXXXXXX XXXX XXXX XXXX in regards to a hardship that i was going through with my husband who sustained a XXXX XXXXXXXX and was out of work. I wrote the letter and received an letter back stating they approved the hardship and that they will update my credit report and help me with my loan. About a week after i received a letter i got notification on my credit report the loan was charged off. How is this possible if I received a letter stating they approved my hardship that is completely fraudulent on XXXX  to do this if they aren't going to honor the hardship. I couldn't even make a payment online because it states We Apologize We are currently experiencing technical difficulties and are unable to access your account. Please try again later. 

I sent a check directly and got a return to address well come to find out THEY SWITCHED LOCATIONS! So regardless of me trying to make any sort of payment I couldn't. I work full time and have a XXXX XXXX XXXX XXXX and sick husband I am taking care of so I can't spend hours on the phone with a representative. WILL NEVER BANK WITH XXXX EVER!

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 2025-02-25 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: CA

Complaint narrative:
I sent a letter to XXXX XXXX XXXX bank in regards to a hardship that i was going through with XXXX XXXX who sustained a massive XXXX and was out of work. I wrote the letter and received an letter back stating they approved the hardship and that they will update my credit report and help me with my loan. About a week after i received a letter i got notification on my credit report the loan was charged off. How is this possible if I received a letter stating they approved my hardship that is completely fraudulent on synchrony to do this if they aren't going to honor the hardship. I couldn't even make a payment online because it states We Apologize We are currently experiencing technical difficulties and are unable to access your account. Please try again later. 

I sent a check directly and got a return to address well come to find out THEY SWITCHED LOCATIONS! So regardless of me trying to make any sort of payment I couldn't. I work full time and have a XXXX XXXX XXXX XXXX and XXXX XXXX I am taking care of so I can't spend hours on the phone with a representative. WILL NEVER BANK WITH SYNCHRONY EVER!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
I sent a letter to XXXX XXXX XXXX bank in regards to a hardship that i was going through with XXXX XXXX who sustained a massive XXXX and was out of work. I wrote the letter and received an letter back stating they approved the hardship and that they will update my credit report and help me with my loan. About a week after i received a letter i got notification on my credit report the loan was charged off. How is this possible if I received a letter stating they approved my hardship that is completely fraudulent on synchrony to do this if they aren't going to honor the hardship. I couldn't even make a payment online because it states We Apologize We are currently experiencing technical difficulties and are unable to access your account. Please try again later. 

I sent a check directly and got a return to address well come to find out THEY SWITCHED LOCATIONS! So regardless of me trying to make any sort of payment I couldn't. I work full time and have a XXXX XXXX XXXX XXXX and XXXX XXXX I am taking care of so I can't spend hours on the phone with a representative. WILL NEVER BANK WITH SYNCHRONY EVER!

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 2025-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PNC Bank N.A.
State: FL

Complaint narrative:
The person responsible for the mortgage payment passed away in XXXX of 2022. There are three individuals on the deed. The house is in foreclosure and the sale has been rescheduled because my husband and I are under contract to sale the property. I've been going back and fourth with the banks attorney 's to see if there client will negotiate with the final asking price because it has a ton of late charges and other items which we are not responsible for. The main issue now, is the fact the bank is trying to force us into signing a hardship application in order to negotiate any type of lower payment. In the state of Florida it is considered illegal for a bank to force someone not on the note to sign a hardship application because it violates principle of " co-signer liability '' which means that only individuals who have legally agreed to be responsible for the debt can be compelled to take action regarding loan modifications of repayment plans. If someone is listed on the mortgage but not the note, they have no legal obligation to the bank and can not be forced to participate in loan restructuring processes, including signing a hardship application. Requiring a non-borrower to sign a hardship application could be seen as a form of coercion, pressuring them to take actions that could potentially harm their credit score. I informed them of this but they are ignoring the facts. I've kept all emails in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
the information on my credit report is not mine its fraud please help with this its not me XXXX XXXX

Company response to consumer: Closed with explanation