vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently started checking my credit because i just turned XXXX and when i looked at why my credit was low it says i owe experian {$310.00} but they didnt even tell me my credit score nor did i use it

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 2025-01-29 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am filing this complaint because Credit Collections is inaccurately reporting a debt on my credit report across all major credit bureaus ( XXXX, XXXX, and XXXX ), in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e. This debt does not belong to me and appears to be a result of identity theft, likely linked to the 2017 XXXX data breach, which exposed millions of consumers ' personal information. Under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report only accurate and verifiable data, and under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations. I have disputed this inaccurate account with the credit bureaus, yet Credit Collection has failed to provide proper validation or remove the false information, which continues to harm my credit score and financial standing. I am requesting that the CFPB investigate this matter and require Credit Collection to immediately remove this fraudulent account from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

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 2025-01-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the charge-off listed on my credit report for an account with XXXX XXXX. After reviewing my credit report, I have identified this entry as inaccurate and request that it be removed by the Fair Credit Reporting Act ( FCRA ). 

Account XXXX is incorrect XXXX and XXXX are both being reported on my credit report. All information should be reported the same for all three agencies. 
Closed Date is incorrect The payment amount is incorrect The details of the charge-off appear to be incorrect due to incorrect information being reported. I have attached supporting documents of my credit report to substantiate my claim. 

Under the FCRA, credit bureaus must investigate disputed items within 30 days and remove or correct any unverifiable or inaccurate information. Therefore, I kindly request that you investigate this matter and provide a written response detailing the outcome of your review. If the creditor is unable to verify the accuracy of this charge-off, I request that it be removed 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 2025-01-29 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: IN

Complaint narrative:
Experian Has Failed To fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation on disputed information on my credit report, Leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a law suit against Experian, alleging systematic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian had neither corrected or removed disputed items dispute the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts, As Experian 's inaction violates federal law and my rights 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 2025-01-29 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
i was helping a friend in the military that had trouble collecting his money from Wells Fargo bank and this same guy scammed me. The Military Department in Wells Fargo by the name XXXX XXXX was helping me to get this money back. I had to send money by bitcoin to a bitcoin Wallet. Every time i sent money i was promised i was going to get my money only to be told there was more fees that had to be paid, I couldn't keep paying the fees because i couldn't afford it. 

the President of the Military Dept. gave me till XX/XX/year> to pay another {$1000.00} or i will lose this money which i will. I have been making payments for 3 years on this. I was told a month ago that if i paid {$1000.00} i was going to get my money but then they said there was a certain fee i didn't pay and i would have to pay another {$1000.00} which I'm unable to. Most every time i was paying i was promised i would get this money and never did. The one President that i was paying to fees to got let go so i had to start all over again with a new President. I already paid the fees to the other President but i was told i would have to pay to the new one. 

Her name is XXXX XXXX XXXX email XXXX XXXX XXXX email XXXXXXXX XXXX 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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking Debt Final Rule1022.142 ( b ) ( 4 ) -5 -- 1022.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FC HoldCo LLC
State: TX

Complaint narrative:
I have been told that the information that is being reported on my credit report has been sold to a different company and the original owner can't help me fix these problems because they don't have my account anymore. This has been a big issue for months now. Also my name on these files is not correct.

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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute an entry on my credit report that I believe is inaccurate or incomplete. This entry appears to be a result of incorrect information and violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and up-to-date records. 
The entry I am disputing is related to [ Experian ], listed on my credit report under account number [ XXXX ]. I have reviewed the information on my report and have determined that it is either inaccurate, incomplete, or otherwise unverifiable. Specifically. 
Under the FCRA, credit reporting agencies are required to investigate and resolve disputes regarding inaccurate information within 30 days of receiving a request. As such, I am formally requesting that Experian conduct a thorough investigation into the validity of this entry and provide me with the following : 1. Documentation proving the accuracy of the information reported.

2. Evidence that the debt is valid and belongs to me, if applicable.

3. Any verification that the creditor has reported the debt accurately.

If Experian can not provide sufficient documentation or evidence to support the reported entry, I am requesting that the entry be immediately removed or corrected from my credit report, as required by law. 
Please note that under the FCRA, if this information is not verified as accurate, you are obligated to delete it from my credit file. Additionally, I expect that any future reports will reflect the corrected information once the dispute has been resolved. 
Kindly confirm receipt of this letter and notify me of the results of your investigation within the 30-day period prescribed by the FCRA. Should you fail to provide satisfactory evidence or fail to resolve the dispute in a timely manner, I will pursue further action to ensure compliance with consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when the transactions were authorized I was charged fees due to lagged posting of charges and credits. The issue aligns with the resent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've sent numerous requests to fix my information and they ignore me, the information is uploaded and they keep stalling, I want it fixed or I'm going to share that this is the reason cfpb is suing them, they don't care

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX is reporting that XXXX accounts have the status paid in settlement. From XXXX to XXXX, I made several purchases. XXXX XX/XX/XXXX was the first purchase XXXX was paid in full never late, yet the status states paid in settlement. XXXX XX/XX/XXXX due to good payment history XXXX allowed me another purchase XXXX. All payments for that account were made on time never late and the account was paid in full. Again this account status is listed as paid in a settlement. XXXX XX/XX/XXXX again XXXX allowed me to make another purchase XXXX. As with the previous XXXX accounts, all payments were made on time, never late, and paid in full. Again this account status is being reported as paid in a settlement. XXXX then allowed me to make another purchase XXXX. On the account ending in XXXX, all payments were made on time, never late, and paid in full. I have disputed the XXXX accounts with XXXX and the credit bureaus. XXXX and the bureaus kept false, inaccurate data on my credit file. The bureaus failed to validate and verify the information according to the FCRA. 
XXXX continued to grant me credit on XXXX XX/XX/XXXX account ending XXXX. This account status is correct but have alleged late payments. I disputed this with the bureaus and XXXX back in XX/XX/XXXX which they both verified in the XXXX  XXXXXXXX XXXX system but the payment ledgers show that all payments were made on time or in advance. I never just paid the minimum payments and was ahead often. On XXXX XX/XX/XXXX, I made a payment for XXXX which covered XXXX and XX/XX/XXXX. The ledger proves no late payments. 
XXXX opened my last account in XXXX in XX/XX/XXXX. This account has payments reported as late which is inaccurate. I paid ahead, on time, and never paid late leading to the account being paid in full. Again this was disputed but XXXX and bureaus verified and validated false information. 
The reporting of this false, unverified, inaccurate data is a violation of the FCRA and harmful to my character and credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
XXXX is reporting that XXXX accounts have the status paid in settlement. From XXXX to XXXX, I made several purchases. XXXX XX/XX/XXXX was the first purchase XXXX was paid in full never late, yet the status states paid in settlement. XXXX XX/XX/XXXX due to good payment history XXXX allowed me another purchase XXXX. All payments for that account were made on time never late and the account was paid in full. Again this account status is listed as paid in a settlement. XXXX XX/XX/XXXX again XXXX allowed me to make another purchase XXXX. As with the previous XXXX accounts, all payments were made on time, never late, and paid in full. Again this account status is being reported as paid in a settlement. XXXX then allowed me to make another purchase XXXX. On the account ending in XXXX, all payments were made on time, never late, and paid in full. I have disputed the XXXX accounts with XXXX and the credit bureaus. XXXX and the bureaus kept false, inaccurate data on my credit file. The bureaus failed to validate and verify the information according to the FCRA. 
XXXX continued to XXXX me credit on XXXX XX/XX/XXXX account ending XXXX. This account status is correct but have alleged late payments. I disputed this with the bureaus and XXXX back in XX/XX/XXXX which they both verified in the bull XXXX XXXX system but the payment ledgers show that all payments were made on time or in advance. I never just paid the minimum payments and was ahead often. On XXXX XX/XX/XXXX, I made a payment for XXXX which covered XXXX and XX/XX/XXXX. The ledger proves no late payments. 
XXXX opened my last account in XXXX in XX/XX/XXXX. This account has payments reported as late which is inaccurate. I paid ahead, on time, and never paid late leading to the account being paid in full. Again this was disputed but XXXX and bureaus verified and validated false information. 
The reporting of this false, unverified, inaccurate data is a violation of the FCRA and harmful to my character and credit worthiness.

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 2025-01-29 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: TX

Complaint narrative:
I have reached out to the the Credit Agency and they have not verified my info i have asked them repeatly to remove inquiries off my credit report and they have not removed them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, cause ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inactions violates federal law and my rights 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 2025-01-29 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: TX

Complaint narrative:
I reached out to the creditor and made them aware of my identity theft, but the creditor took no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out to the creditor and made them aware of my identity theft, but the creditor took no action.

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