vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANCFIRST CORPORATION
State: OK

Complaint narrative:
Complaint to CFPB Regarding BancFirsts Wrongful Actions & New Evidence Subject : Follow-Up Complaint Against BancFirst New Evidence of Misconduct To : Consumer Financial Protection Bureau XXXX CFPB ) Dear CFPB Representative, I am submitting this follow-up complaint against BancFirst due to new XXXX proving their wrongful removal of my name from a corporate account, mishandling of my late daughters POD funds, and improper loan denial that resulted in financial harm. 

Despite my prior complaint, BancFirst failed to address critical issues and provided misleading responses. Additionally, I now have a recording from the President of XXXX XXXX XXXX XXXX XXXX ( XXXX ), confirming the banks direct involvement in my wrongful removal. 

Updated Complaints & New Evidence : 1. Fraudulent Removal from Corporate Account New Evidence : The President of XXXX has confirmed on record that BancFirst actively assisted in drafting the document used to remove me from the business account. She has now reinstated me as a signer, proving my removal was fraudulent. 
Banks Failure : Despite my formal complaint on XX/XX/XXXX, BancFirst failed to investigate or verify the legitimacy of my removal. 

2. Mishandling of My Late Daughters POD Funds BancFirst falsely stated that I was unreachable for years and had moved to California, when in reality, my banking records prove I was actively using my accounts in Oklahoma during XXXX, XXXX, XXXX, and XXXX. 
The bank failed to provide a statement from the date of my daughters passing to the check disbursement, suggesting improper handling of the funds. 

3. XXXX XXXX XXXX XXXX XXXX XXXX BancFirst denied my {$380000.00} home equity loan, using inconsistent debt-to-income ( DTI ) calculations. 
The wrongful denial forced me to sell my home below market value, causing a $ XXXX financial loss that could have been prevented. 

4. Banks Continued Evasion of Accountability Despite multiple regulatory complaints, the bank has not addressed these violations. 
I am willing to provide CFPB with the recorded testimony of the XXXX XXXX, which directly implicates BancFirst in misconduct. 

Request for CFPB XXXX : Given this newly uncovered evidence, I am requesting that the CFPB : 1. Reopen my complaint and conduct a deeper investigation into XXXX role in my wrongful removal and financial harm.

2. Review the banks failure to properly investigate fraudulent corporate account changes.

3. Ensure BancFirst provides full transparency regarding my late daughters funds, including a statement from the date of her passing.

4. Investigate potential XXXX violations regarding my wrongful loan denial. 

I appreciate the CFPBs role in protecting consumers and urge the agency to take further action based on this newly provided evidence. 

Thank you for your time and consideration. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: SC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX, regarding a violation of the fair debt collection practice act, 15 usc 1692g. I recently noticed that XXXX XXXX systems placed an account for collections on my credit report. However, I did not receive any written notice from them regarding the alleged debt as required by law. A debt collector is required by law to send the consumer a written notice within XXXX days of the initial communication regarding THE DEBT. This notice must include : the amount of the debt, The name of the credit whom the debt Is owed. A statement informing the consumer of their right to dispute the debt within XXXX  days of receiving the notice. A statement that upon the consumers written request within the XXXX  day period the debt collector will provide verification of the debt or a copy of judgment to date. I have not received any such written communication from National credit sysytems. Despite the account appearing on my credit. This omission is not only a potential violation of the fdcpa but also detrimental to my credit standing and overall financial well-being. 
After doing my thorough investigation of this account and the company that posted the tradeline ive found that the entity is not accredited by the better business bureau nor is it licensed and bonded to collect from me as living residence of south Carolina. Please have this tradeline removed.

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 2025-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX added an negative account on my report without sending me a dunning letter. On XX/XX/year>, i sent them a letter requesting validation and verification of this alleged debt, but they ignored me. Till now, they are still reporting this negative information on my 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 2025-03-14 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: TX

Complaint narrative:
My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

The following items I am disputing are the following : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: WI

Complaint narrative:
This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: WI

Complaint narrative:
This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

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 2025-03-13 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: VA

Complaint narrative:
My credit means a lot to me, and XXXX really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: WV

Complaint narrative:
I am disputing the account XXXX XXXX ( XXXX ) on my credit report, inaccurately listed as CollectionOrChargeOff, with dates XXXX and XXXX. This impacts my ability to get financing. 

Under 15 U.S.C. 1681i, you must verify accuracy. In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), courts ruled that inaccuracies should be corrected. 

Also, please explain why there is a past due balance reporting while my report shows it is a charge-off? XXXX pretty sure you know that this is a violation of the FCRA. I demand the immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: SD

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data, in the total of {$38000.00}, as reported in the XXXX XXXX article titled " Musk and XXXX : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the XXXX XXXX Rights and Privacy Act ( XXXX ) due to unauthorized access and tampering with student loan records. 
As a borrower with active student loan obligations, I am highly concerned that my rights under XXXX ( XXXX XXXX. XXXX ; XXXX CFR Part XXXX ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX and Doge forced their way and access my private information without my consent. The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-14 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: CA

Complaint narrative:
XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$9000.00}, a collection opened at XXXX XXXX on XX/XX/XXXX with a balance of {$780.00} under the account number XXXX and a collection opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1700.00} under the account XXXX. These XXXX collection accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-14 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:
XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$9000.00}, a collection opened at XXXX XXXX on XX/XX/XXXX with a balance of {$780.00} under the account number XXXX and a collection opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1700.00} under the account XXXX. These XXXX collection accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
I was sent a credit card in the email from Current financial institution that had my name and a credit card number on the card. When I called to inquire they asked for personal Identifying information without answering specific questions as to if these cards are sent to people who did not apply for the card. I did not give any personal information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: SC

Complaint narrative:
A remote representative is not responding to disputes and matters. I was not getting quality customer service regarding disputes that I have put in with transactions that were stolen out of my account. 
Compensation supposed to been restored to me. I have yet to receive any compensations on the behalf of the lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
My credit means a lot to me, and XXXX really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-13 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: OH

Complaint narrative:
XXXX reaching out because I discovered inquiries from your company on my credit report that I never approved.

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 2025-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a letter from Wells Fargo dated XX/XX/XXXX stating that " You XXXX be at risk of foreclosure. Please read the following notice carefully. '' " As of XX/XX/XXXX your home load is 54 days and {$1700.00} dollars in default XXXX New York XXXX XXXX, we are required to send you this notice and inform you that you are at risk of losing your home. '' I contacted Wells Fargo customer service on XX/XX/XXXX immediately after receiving the letter at my home. It was at this time that several Wells Fargo representatives claimed that they have not received any automatic payment from me since XX/XX/XXXX. I have been enrolled in automatic payment for over XXXX years and have never missed a payment. The agents then started pressuring me to pay {$2500.00} to not incur any additional charges but I am still liable for the late fees and any adverse consequences of Wells Fargo listing delinquent payments on my account. The individuals that I dealt with were XXXX and XXXX. I submitted an online payment to Wells Fargo on that same day for my monthly mortgage amount of {$850.00} and filed an escalation case with Wells Fargo. Today I received a call XX/XX/XXXX - XXXX received a call from XXXX - from the XXXX office - at Wells Fargo claiming " I have good news. They received my XXXX payment but my XXXX payment was still outstanding. '' I asked her about waiving the late fees that I was wrongfully charged and I want any credit blemishes to be corrected because I feel there was an error on their end and they also never contacted me prior to the letter I mentioned above. 

I reviewed my banking statements with Wells Fargo on the phone and not all transactions matched. My checking account actually shows Wells Fargo providing me a credit in the month of XXXX- when that is alleged the month that my auto payments stopped. 

I would like to report them of fraud and falsely providing financial services than causing me hardships on my credit report, excessive " catch up '' payments and additional interest. 

Please contact me for any additional questions.

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 2025-03-13 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I cald the creditor and ask them to remove the acout and they sed no

Company response to consumer: Closed with explanation