vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the information in my credit report related to [ specific accounts, bankruptcy entries, or inquiries ]. I believe Experian has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in conducting a reasonable reinvestigation and ensuring maximum possible accuracy of the information reported.

Key Issues : Failure to Conduct a Reasonable Reinvestigation Experian is required to conduct a thorough and reasonable reinvestigation of disputed information under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). However, I believe Experian has not adequately reviewed the evidence I provided or forwarded it to the appropriate data furnishers. 
Failure to Address Bankruptcy and Negative Accounts The disputed accounts include entries related to a bankruptcy filing that are either outdated, inaccurately reported, or entirely inapplicable. Experian s failure to rectify these inaccuracies violates its duty under the FCRA to ensure that consumer reports are accurate and complete.

Failure to Investigate Improper Inquiries Hard inquiries listed on my report, which were not authorized by me, have remained despite my dispute. According to the CFPB 's lawsuit ), Experian has failed to reinvestigate disputes regarding hard inquiries unless identity theft or fraud was specifically alleged, which directly violates the FCRAs requirements. 
Improper Use of Dispute Codes Inadequate or generic dispute codes were applied, as referenced in the CFPB lawsuit, leading to mischaracterization of my dispute. This prevents accurate review and resolution by the furnishers.

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 2025-05-04 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: CarMax, Inc.
State: CA

Complaint narrative:
Company Carmax, will not respond with any information. Im requesting these accounts be blocked and removed permanently Carmax account ending in XXXX second Carmax account ending in XXXX. Im requesting validation may pursuant to the fair debt collection practices act please know that I am requesting validation that is competent evidence bearing my signature showing that I have or ever has some contractual obligation to pay you. Please also be aware that any negative XXXX found on my credit reports, including XXXX XXXX experience, XXXX  from your company or any company that you represent for debt that I dont owe is a violation of the fair debt collection practices act FDCPA And the fact that XXXX XXXX XXXX  and XXXX knows that charge offs Are considered income As defined by IRS , the IRS considers a charge of to be income either a gross or ordinary income like this doesnt belong on consumer credit report so this information on my report isnt accurate by IRS rules any canceled debt or charge of is classified as income reporting as debt is incorrect, according to 15 usc 1681 5 ~2 account name as a provider of information to a credit reporting agency is prohibited by law from sharing an accurate information on requesting that you delete both accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 6058B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: Nelnet, Inc.
State: VA

Complaint narrative:
My student loan is serviced by XXXX XXXX XXXX It is a Consolidation Loan, standard repayment plan, XXXX XXXX, and the lender name XXXX. In XX/XX/XXXX I received a monthly bill for {$240.00} instead of the {$100.00} I was previously paying each month. I called the company for an explanation. Prior to seeing this bill, I received no advance notice of this change and no explanation for the increase. I was told that the date of the original terms had passed and now I needed to adjust to a new payment amount, over double the previous amount. The payment was due immediately. 

I just received an email today, XX/XX/XXXX, stating that my monthly payment is {$500.00}. Again I received no warning and no explanation for this substantial increase. The payment is due, in full, tomorrow. 

This can not be a fair business practice and if it happening to me, I can be sure that I am not the only one. If there are to be substantial increases in payments, there needs to be notifications and sufficient explanations with clear guidance for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
On XX/XX/XXXX my divorce was finalized and my ex husband was awarded a XXXX XXXX XXXX that we had financed together. In the divorce paperwork it clearly states that he is responsible for all debts related to this vehicle. He did not pay and got the car reposed. The entire time Ally Financial company was contacting me and since XXXX I have been telling them that I have no legal rights to the car and I cant do anything about it. I worked closely with them trying to help them get the car back even through there was a no contact order between my exhusband and myself. sometime in XXXX the car was reposed, and sold off. The creditors have began to contact me while I have been attempting to dispute this debt with the credit bureaus. I have contacted the creditors in writing explaining to them that this is not my debt and to stop contacting me. From my understanding once I wrote to them and demanded that they stopped contacting me, .m under the fair debt collection practices act ( FDCPA ) they needed to stop. I have received another letter asking me to settle the debt which violates this act. I have proven multiple times that this is not my debt and that the judge clearly outlined in my divorce paperwork that this not my debt. This has single handedly destroyed my credit. I have credit card companies taking credit limits away from me causing my current credit cards to become maxed out and making me pay these high credit card bills when that should not be the case. How can a judge say that this car is no longer mine, then the rest of the world put the bill on me. If i had the power I would of kept the car and continued to pay for it. What do I do. I have continued to keep a clear timeline of documented events regarding this situation and I will continue to fight it but this is making my life very difficult, I cant move forward and purchase the house I want to or even refinance the house that I am in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted this collection agency about errors on my credit report. They have not responded to any of my requests for validation. I will attach the last two, but all the information is the same and its wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MOHELA
State: NV

Complaint narrative:
I did not give XXXX XXXX or his staffers access to my private information. He shouldnt have access to my student loan data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NY

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
( See attached ) Capital One agreed that they would cease all collection attempts yet they still appear on our credit files we filed a 1099c to report this taxable event to the IRS. Furthermore we did not agree to the stipulations of dissemination and public slander of our good name and consumer credit files in pursuant to 15 usc 6802 a financial institution can not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information we have a right to financial banking privacy and do hereby demand that capital one transunion and Experian acknowledge this right and operate accordingly with the law. Cease all use of our material All Liberties Retained XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Ive been involved in a fraud scam. I was scammed about {$180000.00}. Attached are all he wire transfers to see the total number exact. A rep contacted me through whats app and was giving me trainings on guiding.to complete tasks and earn commission, the system suddenly generated a so called " XXXX XXXX  '' or something similar with a high pay out, which caused the account to show a negative balance. that negative balance was what they will give me guidance to do the wire transfers on that amount in order to continue. 


The company is called XXXX and I began in XXXX it was a job offering from XXXX. 
Sometimes a negative balance will appear, and bitcoins had to be purchased which she showed how to do. And if the amount was too large wire transfers had to be done in the branch and she will guide me on what to say. The last one was of $ XXXX, the negative balance had to be like $ XXXX. The agreement was I was going to do $ XXXX and she was doing the rest. The say if it gets resolved you can withdrawal and big amount. I never did withdrawals and at this point. They will say if you dont complete legal actions will be done. At the time I was in the middle of purchasing a home and was very afraid of all this. 

Attached I provided the wire transfers I did digitally and in person in Wells Fargo. 
The attachment shows the date the wire transfers were dine. They were all to the same company and Bank in the States. 

Company : XXXX XXXX XXXX XXXX  : XXXX XXXX Bank XXXX XXXX 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 2025-05-04 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: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. # 3 15 U.S. Code 1681c2 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, not later than XXXX business days after the date of receipt ( Remove all 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 XXXX XXXX XXXX XXXX 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 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Chase Bank Promotional Practices Dear Sir or Madam, I am writing to formally submit a complaint against Chase Bank concerning their misleading promotional practices, specifically related to their advertised {$300.00} bonus for opening a Chase Business Complete Checking account. 

Complaint Details : Chase Complaint Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX Last year, I opened a Chase Business Complete Checking account by responding to an advertised promotion. This promotion required me to open an account, deposit at least {$2000.00} within 30 days, maintain that balance for 60 days, and complete at least five qualifying transactions within 90 days. 

I met these conditions by completing numerous check deposits and ACH withdrawals, far exceeding the required transaction count. However, upon contacting Chase, I was informed that these common transactions did not qualify due to exclusions in their fine print. These exclusions were neither transparent nor clearly communicated during the account opening process. Consequently, Chase denied the {$300.00} bonus.

This practice appears deceptive, as it deliberately obscures common transaction exclusions from customers, potentially violating fair consumer protection standards. 

I respectfully request the CFPB 's assistance in addressing this matter and ensuring Chase Bank adheres to transparent and fair practices. 

Thank you for your assistance. Please contact me if additional information is needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, MA XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IN

Complaint narrative:
The XXXX XXXX account in question has been charged off, yet it continues to report a balance and ongoing late payments on the credit report. A charge-off indicates that the creditor has deemed the debt unlikely to be collected and has closed the account, which should stop the accrual of new late payments. However, the continued reporting of delinquencies and a remaining balance may be inaccurate or misleading, and it may warrant a dispute or clarification with the creditor or credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IN

Complaint narrative:
The XXXX XXXX account in question has been charged off, yet it continues to report a balance and ongoing late payments on the credit report. A charge-off indicates that the creditor has deemed the debt unlikely to be collected and has closed the account, which should stop the accrual of new late payments. However, the continued reporting of delinquencies and a remaining balance may be inaccurate or misleading, and it may warrant a dispute or clarification with the creditor or credit reporting agencies.

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 2025-05-04 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Dear Sir or Madam, I am writing in response to your attempt to collect a debt. I do not acknowledge any responsibility for this debt, nor do I have any contract or agreement with your company. Please provide documentation that verifies my legal obligation to pay this debt, including the name and address of the original creditor and any evidence of my agreement to the alleged debt. 
Until you provide this verification, cease all collection activities and do not report this debt to any credit reporting agency. If you have already reported it, notify the credit bureaus that I dispute this debt and request its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to TransUnion regarding a hard inquiry dated XX/XX/XXXX, from XXXX XXXX XXXXXXXX I did not authorize this company to access my credit file or submit a credit inquiry on my behalf. In my letter, I requested TransUnion to either validate the inquiry by providing verifiable documentation of permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), or to remove the inquiry from my report.

More than 30 days have passed, and I have not received a response from TransUnion nor any supporting documentation. This unauthorized inquiry is harming my credit profile and was not initiated by me or with my 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 explanation
Consumer complaint received 2025-05-04 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: Kriya Capital, LLC
State: VA

Complaint narrative:
Amount : {$2100.00} Creditor : Credence Resource Management Date : XX/XX/year> This letter serves as an official challenge to the alleged debit reported by your company on my consumer report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s ), your company is legally obligated to ensure the accuracy, validity, and completeness of any information reported to consumer reporting agencies.

Please provide supporting documentation, including the original signed agreement, amount and any communication that justifies this. Failure to provide such documentation constitutes a violation of my rights under 15 U.S.C. 1681s ( b ), which requires furnishers to investigate disputed information thoroughly.

Company response to consumer: Closed with non-monetary relief