vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/year> I Attempted To Withdraw {$240.00} From A Wells Fargo ATM, The ATM Then Proceeded To Make A Dispensing Sound & Then The Screen Went Black, The Money Dispenser Opened With No Money & It Stayed Open, I Reached Inside & It Wasnt Anything In There, The ATM Then Proceeded To Say Out Of Service, I Called & Filed A Claim With Them & Somebody Told Me They Would Give Me A Provisional Credit Whenever The Transaction Posted In 24-48 Hours, Until The Investigation Was Completed ( All On A Recorded Line ). Today The Transaction Posted & I Called Back To Ask About The Provisional Credit, I Received Horrible Customer Service, And A Run Around, I Had To Go To The Branch In Person Where The Manger Called Somebody Else & They Told Him I Didnt Qualify For The Provisional Credit & I Had To Wait Until The Investigation Was Over, I Lost {$240.00} Due To Their Mistake & Now I Cant Pay My Bills Tomorrow

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 2025-02-12 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: NJ

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX, TX 75013 Subject : Credit Report Dispute XXXX XXXXXXXX Account [ Last Four Digits ] Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my report, I noticed that my XXXX XXXX account ( [ last four digits : XXXX ] ) is reported with a 96 % credit usage and XXXX potentially negative months, despite the account being closed. 

This information is incorrect and negatively impacts my credit score. I am requesting an immediate investigation and correction of this error. Enclosed, I have provided supporting documents, including my latest statements and relevant records, to verify my claim. 

Please update my report to reflect the accurate status of this account. Under the Fair Credit Reporting Act ( FCRA ), I request a response within 30 days. If you require further information, feel free to contact me at the information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report. The account in question is : Creditor Name : XXXX  XXXX Account Number : XXXX Reported Balance : {$5100.00} Credit Limit : {$5100.00} I believe there is an error regarding this account for the following reason ( s ) : [ Explain the specific issue, such as an incorrect balance, unauthorized transactions, or inaccurate late payments. Provide any supporting evidence you have, like statements, payment confirmations, or correspondence with XXXX XXXX. ] Under the Fair Credit Reporting Act ( FCRA ), I request that Experian investigate this matter and correct or remove the inaccurate information. Please provide written confirmation of the results of your investigation. 

I have attached copies of supporting documents, including my credit report highlighting the error, statements, and any relevant communication. 

Please resolve this matter as soon as possible. If you need any further information, feel free to contact me at the phone number or email listed above. 

Thank you for your time and assistance. 

Sincerely, 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing a complaint against American Express regarding an inaccurate credit card debt of {$2800.00} on my credit report. I have disputed this XXXX times, yet American Express continues to verify the account without providing proper validation. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) as the information is inaccurate and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Danco Financial Services, LLC
State: LA

Complaint narrative:
On my credit report its showing that a debt is owed to Danco Financial with outstanding balance that I am not liable for. I reached out the company the debt was sold to XXXX XXXX at XXXX. The debt collector provided a 10-99C showing that Danco Financial received funds for this debt. The debt collector is trying to request funds from me that Danco Financial wrote off and received money from the government on this bad debt in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding Equifax 's failure to conduct a thorough and accurate investigation into the disputed items on my credit report. Despite providing all necessary documentation and evidence to support my dispute, XXXX has continually failed to rectify the inaccuracies and has not provided legitimate proof of any investigation being conducted. This lack of transparency and accountability has caused significant distress and financial harm. I kindly request the CFPB 's assistance in ensuring XXXX fulfills its obligations under the Fair Credit Reporting Act ( FCRA ) and provides a comprehensive and accurate investigation report. 

Thank you for your attention to this matter in aiding me to remove them. 

Accounts needing for proper investigation : XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: PA

Complaint narrative:
I purchased a Jeep from XXXX in XX/XX/XXXX, The XXXX was very basic standard vehicle for around {$15000.00} once they added fees and extended warranty the price was {$22000.00}, I have been late on some payments over the passed 3 years but I caught up and now I want to trade the vehicle in or pay it off but the XXXX is only worth {$4000.00} and I have paid that and then some since I have had to catch up in late fees and the original car payment. The financing for the vehicle is with XXXX crest and they quoted me {$17000.00} to pay off the XXXX. I told them I did not agree with that, they told me to talk to XXXX. I have emailed and tried to chat online with XXXX I am not getting a live person, I am instead talking to an auto bot telling me that I would need to pay off the full amount of the XXXX if not trading it in or I can sell it to them but if the vehicle is worth less than what is owed then they would need to work out something with Bridge crest and I would still have to pay my car note until they figure out a deal with them. I have been working on this since XXXX of XXXX. I do not feel that this is fair, I have more than paid enough for this basic vehicle and it is not worth more than I have paid thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-12 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After reviewing my report, I have identified multiple hard inquiries that I did not authorize. These unauthorized inquiries are negatively affecting my credit score, and I am concerned about potential fraudulent activity involving my personal information. 
The inaccurate hard inquiries I wish to dispute are as follows : ALLY FINANCI XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALLY FINANCI ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALLY FINANCI XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit authorization. Since I did not consent to these inquiries, I request an investigation and their immediate removal from my credit report. I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) regarding this dispute, and I am escalating my request through your office to ensure a resolution. 
Attached, I have included : A copy of my credit report highlighting the disputed inquiries Please review my request and advise on the next steps to resolve this issue. I appreciate your prompt attention and look forward to your response. You may contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT PURSUANT UNDER FCRA 605B ALL FRAUD MUST BE REMOVED, ALL FRAUDULENT ACCOUNTS CREATED UNDER MY NAME WITHOUT MY CONSENT ARE, 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 XXXXXXXX XXXX ALL FRAUDULENT ACCOUNTS

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 2025-02-12 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: FL

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT PURSUANT UNDER FCRA 605B ALL FRAUD MUST BE REMOVED, ALL FRAUDULENT ACCOUNTS CREATED UNDER MY NAME WITHOUT MY CONSENT ARE, 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 XXXXXXXX XXXX ALL FRAUDULENT ACCOUNTS

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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CAPITALONE APPLICATION ID NUMBER XXXX [ Provide details of why you are not satisfied with this resolution. ] I WENT INTO GREAT DETAIL IN MY CAPITAL ONE COMPLAINT THAT I NEVER RECEIVED THE CARD TOWARDS WHICH MY {$200.00} XXXX DEPOSIT FROM MY BANK WAS SUPPOSED TO BE APPLIED TO AND SINCE I NEVER RECEIVED XXXXXXXX XXXX I NEVER USED THE CARD SO I NEED AN IMMEDIATE AND FULL REFUND OF MY {$200.00} DEPOSIT RIGHT NOW AND I DO NOT WANT TO HAVE TO WAIT 10 TO 15 DAYS FOR A CHECK BY MAIL AND I DO NOT WANT FIBBED DEDUCTIONS BY CAPITALONE FOR A CARD I NEVER RECEIVED AND NEVER USED AND WAS NEVER ABLE TO USE SINCE I NEVER USED IT. I POLDA NEED CAPITALONE TO STOP SANDENTING ME AROUND AND REFUSING TO RETURN MY UNUSED CAPITALONE SECURITY CARD DEPOSIT OF ACH DEBIT BANK WITHDRAWAL AMOUNT {$200.00} AND TO POLDA REFUND MY PAID UNUSED CAPITAL ONE SECURED CREDIT CARD DEPOSIT OF {$200.00} RIGHT BACK INTO MY BANK ACCOUNT WHICH THEY TOOK OUT ON XX/XX/year> USING VERY DECEPTIVE POLDENTED FRAUD ZEMPENTY ANTI CONSUMER PROTECTION DEVIOUS SCAMMING POLDED METHODS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
I am writing to formally notify you that my identity has been stolen as a direct result of the Equifax data breach. I discovered multiple fraudulent items on my credit report along with late payments which never caused by me. These items prevent me from obtaining new credit and have created significant challenges for me.I urge your agency to take this matter very seriously and consider the full scope of federal law when addressing this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MO

Complaint narrative:
I am filing this report due to fraudulent accounts on my fico score. I was also impactred by the data breach by equifax and I know there is a lot of fraudulent activities happening on my credit profile. I need these things investigated. I have been getting illegal calls from creditors and I researched on my own that theses things are illegal and under the fcra I am asking to have all these items removed from all XXXX credit bureaus. XXXXXXXX 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. These items has collections, bad debt and hard inquiries on my credit score.

Company response to consumer: Closed with non-monetary relief