vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry on my credit report that is being reported by ( XX/XX/XXXX) The XX/XX/XXXXXXXX XXXX XXXX This late payment is inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

The account was suddenly closed suddenly by the Creditor and has been reported 90 days late as of XX/XX/scrub> 2025. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed.

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement.

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks. If the information can not be fully verified, I request that all late payment entries be permanently removed from my credit report across all bureaus ( XXXX, XXXX, and XXXX ). I request confirmation of this correction in writing. Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, Cashet USA claims that a payment was missed/late, resulting in the imposition of excessive late fees and accrued interest. However, at all times relevant to these alleged missed payments, sufficient funds were available in my bank account to cover the scheduled withdrawals. I have bank statements available upon request to verify this.

Despite my attempts to contact Cashet USA customer service via phone to resolve this issue, I have been unsuccessful. I have reached out to them over the phone and exprienced long wait times. to explain the situation and provide proof of sufficient funds. However, Cashet USA has refused to reverse the excessive fees and continued to report the account as delinquent.

As a direct result of Cashet USA 's actions, my account has now been referred to a collections agency, [ Name of Collection Agency, if known ], and my credit score has been negatively impacted. I believe this referral to collections is entirely unjustified, given the availability of funds and my good-faith efforts to resolve the matter with Cashet USA .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I had been scammed on XXXXXXXX  The scammer asked me pay him first to activate my XXXX account. He asked me to purchase XXXX XXXX XXXX and he said he didnt receive the money and he asked me more money. I didnt have my XXXX account activated and I lost money. It is fraudulent. I purchased the XXXX XXXX XXXX XXXX. But I had never use the card. The scammer scam my money on the internet. I also asked XXXX XXXX XXXX XXXX to refund me the money. It is a fraud. I have never received my funds back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Due to current financial circumstances I am having problems keeping my two TRUIST accounts in good standing because of the {$36.00} per transaction overdraft fees

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 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Agency of Credit Control
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against Agency of Credit Control regarding the improper collection and reporting of a debt to the credit bureaus. I have disputed this debt directly with the collection agency under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), and they have failed to provide sufficient proof to validate the debt. 

I requested that they : 1. Provide the Certified Material Information ( CMI ) for the alleged debt. 
2. Supply proof of assignment or release of this debt from the original creditor to their agency. 
3. Offer documentation detailing the calculation of the claimed amount. 
4. Provide a copy of the original agreement or contract that created the debt. 

As of this writing, they have failed to comply with my lawful request for verification. According to the FDCPA, they are required to provide clear and accurate validation before pursuing collection or continuing to report the debt to the credit bureaus. Without proper verification, their reporting of this debt is unfair, misleading, and damaging to my creditworthiness. 

I am requesting the CFPBs assistance to : 1. Investigate this matter with Agency of Credit Control. 
2. Ensure that this unverified collection account is removed from my credit report immediately. 
3. Hold the collection agency accountable for any violations of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After looking at my credit report. I noticed there was some fraudulent accounts. I requesting that you remove these accounts from my report because they are affecting my ability to get 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 2025-02-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is purposely trying to make it difficult to file a dispute against a collections company. I'm not able to upload my documents. It won't take any of my documents that I have to submit to file the dispute. They won't answer their phone either. I was on hold for 20 minutes. Couldn't get through to anyone. They are completely unresponsive and unprofessional. They purposely side with collections agencies and creditors to ruin your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MS

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-13 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: AZ

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX  - XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This inquiry was not approved by me. I have had no discussions with this lender on the mentioned date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
DUE TO TRAFFICKING, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

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 2025-02-13 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: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I have opt-out from third party bureaus and my credit history has still using third party information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
This debt collector Credit Control LLC put a debt collection of {$1000.00} on my credit report and I have no idea what it is. I don't recognize this debt collection. Please remove this debt collection from my credit report immediately.

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 2025-02-13 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: NV

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XX/XX/XXXX - XXXX - {$17000.00} XX/XX/XXXX - XXXX - {$4000.00} XXXXXX/XX/XXXXXXXX - XXXX - {$350.00} 12 XXXX XXXX XXXX - XXXX - {$660.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being.

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.

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 2025-02-13 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: Experian Information Solutions Inc.
State: FL

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 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2025-02-13 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: Experian Information Solutions Inc.
State: CA

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 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had four late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments l 've attached a copy of my report to this complaint on the following dates [ insert date ] ( Always add month and year ) I'm now requesting you Investigate this account and update these payments to paid on time immediately. Thank you for your understanding and Prompt action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I never gave permission for this company to pull my credit, and this inquiry is unauthorized. It is crucial that you remove this fraudulent inquiry from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: NC

Complaint narrative:
I have included documentation from the relevant authorities to back up my claims. I would appreciate it if you could quickly eliminate the fraudulent entries from my credit report and take the necessary actions to correct any inaccuracies or fraudulent activities.

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 2025-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been a business customer of Wells Fargo for nearly 15 years. My wife and I are the only ones with access to our account. On XXXX I returned home from work to find a letter from Wells Fargo informing me that they had illegally added my brother to my account. This was done without my authorization. 

I immediately called the number provided on the letter, and after jumping though hoops for over XXXX hours, they told me that they were unable to remove him from the account and that I would have to go to the branch to get this done. 

The next morning XXXX I closed my business to go into the bank to get this taken care of. After spending another XXXX hours there, they told me they could not remove him from my account even with me there. They asked that I go to another branch. I informed them that I had already invested over XXXX hours of my time into this and I wasn't going to another branch. So I left with no resolution. 

My brother and I are in similar businesses. In fact he is a business competitor in some aspects. So basically Wells Fargo has illegally provided my competition with complete access to my financials including my customers, suppliers, vendors, and affiliates. 

They do not seem to care, and even after informing them of their error and illegal activity, this person is still on my account and still has access to all of my business financial information. PLEASE HELP!!

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