vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I am writing to formally dispute and file complaint on the inaccurate balance and charges being reported by XXXX XXXX XXXX XXXX in XXXX, AL and their third-party collection agency, Transworld Systems Inc XXXX 

The XXXX  at XXXX provided me with a final balance of $ XXXX vacating my unit. However, Transworld Systems XXXX is now reporting an incorrect balance of {$3800.00}. Additionally, the leasing company applied multiple improper charges to my rental ledger, including excessive trash bag fees. Despite paying a $ 10 monthly trash fee as part of my rent, I was charged {$25.00} per trash bag for having them on my balcony. This occurred because the property failed to utilize its concierge trash service and only provided trash bins at the front of the complex, while I resided in the back. 

Furthermore, I vacated the unit in XXXX and returned my keys on XX/XX/XXXX, per our documented email agreement. Despite this, I was still charged additional fees for XXXX as if I had remained in the unit. 

The information and charges reported are inaccurate, and I have supporting evidence, including my rental agreement, emails, and rental ledger, to confirm the discrepancies. I request that these inaccuracies be corrected immediately and that the reported balance be adjusted to reflect the actual amount owed at the time of my departure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NV

Complaint narrative:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/year>

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 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I ordered 2 Space Heaters from XXXX XXXX at XXXX XXXX XXXX in XXXX NY XXXX, a 3rd Party Seller through XXXX. But the order was delayed and we had to go to XXXX and buy the exact items, and when the Heaters arrived from XXXX we didn't need them any longer. Originally when I contacted him he was going to give me a Full Refund of {$44.00} when he received the items but he didn't do this. The XXXX Representative told him to have XX/XX/XXXX Pick-Up the heaters at our residence but XXXX XXXX refused XXXX he sent me a Free Shipping label and I took the box toXX/XX/XXXXand mailed it on XX/XX/XXXX - and XXXX got the box delivered to him and he signed for it on XX/XX/XXXX and XX/XX/XXXXTracking Number is XXXX. But he never sent me a refund of {$44.00}. So I contacted my bank and asked for a credit which they gave me, sending them the photos and all the information. But one week later around XX/XX/XXXX XXXX objected and told my Bank that he never received the items. That was a lie- it was a Fraudulent Scam of XXXX XXXX 's. I provided proof to my bank and they gave me the {$44.00} credit back in XX/XX/XXXX. But on XX/XX/XXXX XXXX XXXX contacted my bank again and said he didn't get the items and again my Bank deducted {$44.00} from my account. I had to again send the photos, tracking information showing day and time XXXX XXXX signed for the box. And now my Bank is investigating this. XXXX XXXX is a Scammer, acting Illegally and Fraudulently. I only get {$920.00} per month from social security and I have to watch every XXXX. I can not afford to give this XXXX XXXX my {$44.00} when I already returned the 2 heaters and he signed for it with the XX/XX/XXXX Driver on XX/XX/XXXX at XXXX. How many other people does this XXXX XXXX do this to???

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX is also part of this is the same account on experian, i dont know how this happens but maybe explanes why my report is so crazy, they have me married to XXXX in wich we were divorced in XXXX  so my experian is all over the place they mess people up puttng my info available when i have not entered a contract with them to so, i will attach a copy of it i found at least 3 things off just a quick read im sure there is more. quikly what i noticed,, still married to XXXX, XXXX XXXX info is not correct ith dates are off saying it was closed 2 years ago on account XXXX XXXX XXXX oh here and i ower more then paid.. here is another account, XXXX XXXX XXXXXXXX was my account was payed and payed and closed on time in XXXX however some reason posted as negitive, XXXX from XXXX XXXX XXXX account numbers m XXXX XXXX has no info of mine as owner i dont know them for any services, and the other account number XXXXXXXX XXXX also not sure about that one either, this town if small and full of thorntons, i have applied for ssdi 2 years ago and fight for it i just just a letter said i been working last 2 years. but i havent i looked up the names they gave me and they are XXXX  resturants in florida and i live in illinois so someone been usin my info long time, and the tax refund this year was heald by irs because sme one try to take it and her had proven identy there,, so crazy seem to be the trend, i had no idea i has in over 20 data leaks or whatever called so i guess happened there, i am about to lose my home and everything else i have while these companys just run around doing what they want, thanks for any support 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 2025-03-12 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the 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 systemic 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 has neither corrected nor removed.

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 2025-03-12 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: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TX

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am fine for failing to properly investigate my dispute regarding my credit report. Despite, consistently respond within 24 hours in the account is accurate without providing evidence of a thorough investigation. Is practice violet the fair Friday reporting at ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of dispute. More actions may also contravene the consumer financial protection. ( CFPA ) 12 U.S.C 5536 ( a ) ( A ) ( B ), in the recent administrative proceeding ( file No. 2025 CFPB XXXX ) against them for similar violations. I requested to take action to Equifax, complied with federal and provides consumers within necessary proof of investigation. 

These are the accounts I marked as inaccurate : Account Name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Inaccurate information on my credit report identity theft. Accounts do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-12 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: CA

Complaint narrative:
I have tried to resolve these matter with the 3 credit bureaus for misinformation and to this date nothing has been done...

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to resolve these matter with the 3 credit bureaus for misinformation and to this date nothing has been done...

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 2025-03-12 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite Having Funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent 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 2025-03-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: IL

Complaint narrative:
To : Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX RE : FINAL DEMAND XXXX MONEY ORDER # XXXX CASHED & SETTLED UNDER UCC 3-311 Nelnet is now officially XXXX notice that the obligation associated with Account No. XXXX is fully settled and XXXX by way of accord and satisfaction pursuant to UCC 3-311 & UCC 3-603 . 

You cashed XXXX XXXX XXXX # XXXX for {$4500.00}, which was explicitly tendered as full and final satisfaction of this account. Under UCC 3-311 ( c ) ( 2 ), you had 90 days to return the instrument if you rejected the terms. That time has expired, making this debt legally discharged. 
LEGAL FRAMEWORK SUPPORTING DISCHARGE UCC 3-311 Accord & Satisfaction : A creditor who cashes a payment marked full satisfaction legally discharges the claim.

UCC 3-603 Discharge by Tender & Acceptance : Once the payment is tendered and accepted, no further claim can be made on the obligation.

12 U.S.C. 411 Lawful Money Redemption : The XXXX  money order is lawful money, meaning acceptance satisfies and extinguishes the debt.

Additionally, under UCC 3-311 ( c ) ( 2 ), a creditor has 90 days to return a payment if it disputes the settlement terms. Nelnet failed to do so, making this settlement binding and irreversible.

Company response to consumer: Closed with explanation