vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I am writing to formally dispute the information reported on my credit file regarding the account number referenced above. Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into the reported details. This is not a request for a simple verification ; this is a demand for a complete and accurate review. 

Please be advised that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for their failure to conduct thorough investigations into consumer disputes. This serves as a reminder that inaccurate reporting and sham investigations are not only unethical, but they are also illegal. I expect you to handle this matter with the utmost attention and care, in compliance with the law. 

I am requesting that you immediately remove the inaccurate information from my credit report. If you are unable to fully substantiate this account, I demand its removal without delay. 

Please provide me with the results of your investigation and a copy of the updated credit report. 

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 2025-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I believe there are multiple errors in calculating my accrued interest by XXXX, my former loan servicer and AidVantage, my current loan servicer. I formally entered the SAVE plan on XX/XX/XXXX. My loan was then transferred from XXXX to AidVantage on XX/XX/XXXX. Even if the ending accrued interest amount was correct leaving XXXX ( which I would like to verified as I believe it is incorrect ), the amount of accrued interest that appeared in AidVantage after the transfer was different ( and higher ) then what was last documented in XXXX. I believe there was an error that occurred in the transfer process, and erroneous interest was added. The amount of accrued interest on my current AidVantage account is different then when it entered ( again, on SAVE plan so there should be no additional interest ). AidVantage is also charging me erroneous interest. I have documentation of the following details : XXXX Account XXXX : Outstanding Accrued Interest to date, based on issued statements/date billed : o XX/XX/XXXX : {$740.00} o XX/XX/XXXX : {$80.00} o XX/XX/XXXX : {$1000.00} ( how did it jump up so much compared to prior statement? ). 
o XX/XX/XXXX : {$1100.00} o XX/XX/XXXX : {$1100.00} o XX/XX/XXXX : {$1100.00} ( last statement available ) Total Interest paid in XXXX to XXXX : {$1700.00} ( based on XXXX form from XXXX ) Payments made to XXXX : o XX/XX/XXXX : {$570.00} ( don't have documentation of when received ) o XX/XX/XXXX : {$620.00} ( received XX/XX/XXXX ) o XX/XX/XXXX : {$1200.00} ( received XX/XX/XXXX ) Total of {$2400.00} ( all made in XXXX ) Aid Vantage Account Information XX/XX/XXXX loan Transferred to AidVantage o No Interest Accruing on account since XX/XX/XXXX when established o Entering principal Balance of {$110000.00} plus {$1300.00} unpaid interest = {$110000.00} total is what is documented.. 
Current accrued interest is {$1800.00} and total balance is {$110000.00} Total Interest paid in XXXX to AidVantage based on 1099-E : {$87.00} ( how is this possible if I didn't make a payment in XXXX? ). 

Summary : -last documented accrued interest at XXXX was {$1100.00} ( I dont believe this is accurate ) -documented accrued interest at AidVantage when the transfer was finalized : {$1300.00} ( why is there a difference in the transfer when Im on SAVE plan? ) -Current accrued interest on AidVantage {$1800.00} ( why has it gone up when Im on the SAVE plan? ) I have documentation of all of the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-28 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-28 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: MA

Complaint narrative:
Early in 2021, an individual named XXXX XXXX stole my father and my identity, charged our credit cards, and opened a XXXX XXXX account in my name. 

I've since filed a lawsuit against this person in XXXX Massachusetts XXXX XXXX, XXXX XXXX. XXXX ( see attached ). Further, I've disputed this account with XXXX, XXXX, and Experian. Experian is the only company who has not yet removed this fraudulent account from my credit file.

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 2025-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
when I check my account after making a purchase I noticed Account restricted, once noticed, I immediately called them and asked for a reason why account was it closed. which was for account inactivity. I asked the agent to give me the last date I used my account to purchase something which was back in XXXX XXXX so not sure on how I was inactive. 

I went back looking through mail and via email looking for a notice stating my account was getting closed. I called again to verify when the notice was sent and they said they sent it via email on XX/XX/XXXX. As speaking I check with them over the phone and even verified the email address it was sent to and everything was correct. I even check the spam and didn't see a noticed/statement. Even if it was sent email I wouldn't really know with amount of emails I get on a daily basis. Now im asking the agent is their any statement or notice the can re send me and they said my account is closed and the are no longer able to do anything for me. I told them I willing to work with to re open my account but their isn't anything they are able to do according to the agents. Although I've been paying my monthly balance and using my cards not sure why my account would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I leest a security system and was guaranteed by Wells Fargo, I sold my business and the system was included in the sale, and one day I have the police coming sees my car because over the payment for the system, I went back to the new owner of the deli, and he claimed that he didn't know he have to be the reminder of the payments, I tried to contact Wells Fargo and nobody get back to me or give me any more information except this is out of their hands, and the sheriff took my car.

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 2025-03-28 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Debt Validation Request Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Capital one Account number : XXXX Date Opened : XX/XX/XXXX I am writing in response to your attempt to collect an alleged debt, referenced as Account Number XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I formally request validation of this debt. Additionally, under the FairCredit Reporting Act ( FCRA ), if you can not provide adequate validation, I demand that this account be deleted from my credit report. 

Please provide the following documentation as proof of the alleged debt : 1. A copy of the original signed agreement or contract establishing my obligation to pay.

2. A full account history showing the original creditor, amount owed, and payment history.

3. Verification that you are legally authorized to collect this debt in my state. 
4. Proof that the alleged debt has not been paid, settled, or discharged. 
If you can not provide adequate validation within 30 days, you must cease collection efforts and remove any negative reporting related to this debt from all credit bureaus in compliance with XXXXheFCRA and FDCPA. Failure to do so maXXXX result in legal action against your company. 

Please respond in writing to the address provided above. I request that all future communications be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Debt Validation Request Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX I am writing in response to your attempt to collect an alleged debt, referenced as Account Number XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I formally request validation of this debt. Additionally, under the FairCredit Reporting Act ( FCRA ), if you can not provide adequate validation, I demand that this account be deleted from my credit report.

Please provide the following documentation as proof of the alleged debt : 1. A copy of the original signed agreement or contract establishing my obligation to pay.

2. A full account history showing the original creditor, amount owed, and payment history.

3. Verification that you are legally authorized to collect this debt in my state.

4. Proof that the alleged debt has not been paid, settled, or discharged.

If you can not provide adequate validation within 30 days, you must cease collection efforts and remove any negative reporting related to this debt from all credit bureaus in compliance with theFCRA and FDCPA. Failure to do so may result in legal action against your company.

Please respond in writing to the address provided above. I request that all future communications be in writing only.

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 non-monetary relief
Consumer complaint received 2025-03-28 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
XXXX XXXX at the XXXX branch was only interested in an online rating and tried to push me into rearranging my accounts and had the nerve to ask me what I needed 3 accounts for. I told him to protect me from horrible companies he let charge me by not telling me they were trying to take my money to goods they didn't give me, thanks for that, he then said a whole lot of things I didn't like sexist crap. My main reason is to protect my account from people who try to take money through merchant portal fakes. your guy tried to block me from accessing my funds during a family emergency, blocked my funds from merchants I wanted to do business with including a second Mobile service, block my XXXX, Blocked my XXXX and locked my account under false pretense saying he had to see me in person to verify who I was and get my personal information in person. That was to include my entire social security number, which I was told not to do by Social Security then he wanted me to tell Social Security to change my account deposit information to another account!!! not my main account like it is now. I feel he may have been responsible for hiding my account balance, reordering deposits, hiding deposit information and other nefarious behavior. I am very upset with this bank. 
This man at the Bank of America waited until I was alone and signed something on line not letting me see the computer screen. So XXXX shady. this is the worst infiltrated bank ever. This has been the worst year for me ever. A. I. s are just going to make it worse and your site has no way for me to update my phone number every time Iv called and requested this. not at all. so again someone in your org is a crook. my phone number is landline XXXX XXXX XXXX my cell phone number is XXXX XXXX XXXX my EYES are not so good. 
this has been the worst year ever. this guy is hiding in plain sight. 
there are quite a few of these Somali crooks there I said it. 
pfft! and your site is broken, no numbers can be changed. I'm XXXX this XXXX and you still insisted I call a non working number to update my phone number what you refused to do proof someone in your org is a fake!

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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax 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 accounts opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), and XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). This account has resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
This account is from 2013 and your in violation of the fair debt collection act 15. This debt has expired.

Company response to consumer: Closed with explanation