vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MOHELA
State: IN

Complaint narrative:
I have been a victim of identity theft. I have no knowledge of this account. As I am looking to build my credit when I logged into XXXX XXXX I notice unauthorized accounts that has never been tied to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo have been stealing from my account by reordering transactions and charging overdraft fees for the last two years. I have taken screenshots as proof to which they fail to return the fees citing I am only allowed one refund a year despite proof of them reordering transactions or the pending transaction is made to look like it was cleared days before in order to incur charges. 

Most recently XXXX XXXX I took screenshots of the ending daily balance of {$340.00} posted at XXXX EST. 

At XXXX EST i transferred over {$270.00}, {$19.00}, and {$49.00} each from XXXX which is a total amount of {$340.00} clearing out the debt ( overdrafted amount ) posted. 

At XXXX, I received a message from Wells Fargo saying that my account was overdrafted by - {$19.00}. 

Checking my account that morning I noticed that the XXXX XXXX XXXX charge of {$76.00} to {$96.00}. This is a difference of {$20.00} which would account for the - {$19.00} that was only added the following day which was XXXX. 

XXXX XXXX, around XXXX I received a notification that they were charging my account with another overdraft fee of {$35.00} for a {$500.00} transaction that I had covered with the money Id deposited the night before. 

This would not have made any sense based on the screenshots provided. This is one of the many times that Wells Fargo have predatory stealing from my account by reordering transactions and/or making pending transactions appear to have cleared days prior to the date in which it actually cleared while my account is either already overdrawn or close to a XXXX balance. 

I have bought this situation to their attention numerous times with the same kind of proof that they refuse to thoroughly verify with the exception of one time they did find their error and refunded 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 explanation
Consumer complaint received 2025-01-01 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:
Experian.. 

I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. 
However, after reviewing my records, I am unable to find any documentation of any contractual relation between you, { XXXX XXXX } acct number # XXXX and me, { XXXX  ), which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for " verification '' or " validation '' This is a request for Proof of Contract to substantiate your claim. 
Therefore, provide me a Certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. 
Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. 
Your failure to respond and provide strict proof of contract will constitute your tactic agreement that { XXXX XXXX } is not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General.

2. File a complaint with the federal Trade Commission.

3. File a police report against you for harassment and invasion of privacy. 
4. File a lawsuit against you in my county for harassment, fraud, and invasion of privacy. 
You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In the event you transfer this account to an attorney without providing proof of contract, he or she will be immediately reported to the 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 2025-01-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I was approached by Lexington law about 10 years ago and I had to pay them monthly fee to correct my credit file. I signed paper stating that they were corrected if I could tell you to pay in 30 days I would see but then they sent me paper and asked me to write letters to the company that I owe and that way it will be corrected. Never got any final Correction or any more calls from them after paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX I XXXX XXXX looked at my TransUnion credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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:
It has come to my attention my personal information has been exposed in a XXXX XXXX XXXX. After reviewing my credit reports, I notices some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint report the info I am not familiar with. 

Please find attached a copy of my I.D . The FTC complaint, a copy of the XXXX report showing my information being exposed in a national database and a Validation of debt Letter.

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 2025-01-01 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Aidvantage operates under horrible business practices and should not be allowed to be a federal loan servicer. 

In XX/XX/year> I set up auto pay. On XXXX XX/XX/year>, I received an email from Aidvantage saying that they had approved my request for auto pay. I logged onto today, and found that they did not charge me for XXXX, XXXX, XXXX or XX/XX/year> as I had directed them to do via the autopay agreement. There were XXXX Terms and conditions that I agreed to which would allow them to not charge me for these months. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX months would have gone toward my federal student loan forgiveness. I can not get that time back, and I did not agree to not be charged during those months. I understand that there is a federal forbearance. Going on right now, however, I am still able to pay on those student loans if I choose to, and I chose to do so when I set up auto pay. I am now out XXXX months of interest, free payments that I thought were being made on my behalf, as I legally agreed to that with Aidvantage via the autopay agreement. I have previously run into shady business practices with them, including overpaying on my student loans XXXX month by several XXXX dollars, and theyre choosing to not put enough toward XXXX of my student loans that missed the minimum that month. I still have XXXX clue how they managed to make that error. I do not think that they are operating legally, and if they are, they are clearly operating unethically. I do not want to work with them anymore as a servicer, and I do not think that the federal government should be working with them if they are choosing to, not follow contracts entered into for auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Thousands of dollars of overdraft fees. 

Wells Fargo

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 2025-01-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
To Whom It May Concern : I am writing to formally file a complaint regarding the egregious and humiliating treatment I received at the Bank of America branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am a mother of XXXX XXXX XXXXXXXX, currently residing in a XXXX XXXX XXXX XXXX to protect myself and my family from further harm. As an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and identity theft, I face countless challenges in rebuilding my life and providing stability for my children. On this occasion, I simply wanted to open a checking account to deposit XXXX funds that my children received from their grandparents in XXXX. Instead, I was met with discriminatory and unlawful treatment that left me embarrassed and humiliated. 

I arrived for my XXXX XXXX  appointment with banker XXXX XXXX and presented my valid XXXX XXXX XXXX  ( XXXX ) card, issued by the State of Washington under XXXX XXXX. The XXXX provides a legally mandated substitute address for XXXX XXXX XXXX XXXXXXXX to protect their safety. Despite this, the branch XXXX, XXXX XXXX, informed me that I could not use my XXXX-issued address and instead suggested that I use the Secretary of States physical address. I immediately refused, as this was a fraudulent suggestion that violates both the intent and the legal framework of the XXXX. 

The branch manager contacted Bank of Americas corporate office, which reportedly claimed they had never heard of the XXXX. I explained multiple times that disclosing my physical address is not a matter of preference but a critical safety measure mandated by law. Despite my clear explanations, I was ultimately denied the ability to open an account. 

As a woman, an XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, this treatment was dehumanizing and deeply distressing. Financial independence is a crucial step in my journey toward safety and stability, and this denial represents yet another barrier in a system that already makes it difficult for XXXX  like me to move forward. Bank of Americas refusal to honor my XXXX substitute address not only violates Washington State law but also discriminates against me based on my status as a XXXX XXXX XXXX XXXX 


Respectfully, 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 2025-01-01 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:
Subject : Request for Removal of Unauthorized Credit Inquiry Dear Experian I hope this letter finds you well. I am writing to formally request the removal of an unauthorized or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed an inquiry listed that I do not recognize or recall authorizing The details of the inquiry in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have thoroughly reviewed my records, and I can confirm that I did not authorize these inquiries.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. I have already contacted the original creditor who pulled my credit report and filed a dispute with them as well. I kindly request that you investigate this matter and remove this inquiry from my credit report as it does not belong there. 
Please confirm in writing once the inquiries have been removed, or if any additional documentation is needed to support my request. 
I appreciate your prompt 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 explanation
Consumer complaint received 2025-01-02 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: Sterling Infosystems Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and 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 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief