vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: 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 explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: AR

Complaint narrative:
dear consumer financial protection bureau I'm reaching out to this agency department because I'm having delay problem issues with & bank goes by the name of PNC bank I current recent open new foundation checking account with PNC bank on the date of services XX/XX/year> after I open my new checking account I made & mobile check deposited for XXXX dollars into my checking account with PNC bank are refusing to credit the funds into my checking account I recieve my my PNC bank debit card delivery by XXXX XXXX ground services PNC bank customer need access to his funds because he has bills to catch up on & other personal household expenses PNC bank customer had recent sent PNC bank photo of his id to the PNC verification department of his state id card photo & his girlfriend card photo PNC bank are the worst bank u can do business with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts listed on my report. Please remove these accounts from my credit report as they are hurting my ability to obtain credit.

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 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
On or around XX/XX/year>, Credit Systems International Inc. reported a collection account on behalf of XXXX XXXX XXXXXXXX to my credit report, in the amount of {$300.00}. I dispute the validity of this debt and have requested proper validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. To date, I have not received any proof of this debt, such as a signed agreement or itemized billing to verify that I owe this amount or that this agency has the legal right to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I authorized a bill pay for my mortgage to be taken from checking account in the amount of {$3500.00} and put it on automatic payment. 
The payments inadvertently went to XXXX XXXX XXXX XXXX XXXX XXXX 
I have tried repeatedly to get my XXXX back from bank ( Wells Fargo ) and from the vendor XXXX XXXX. 

I just left bank they denied the claim because I authorized it however, the selection on the bill pay o line was not formatted properly therefore the selection was incorrectly elected. I need my XXXX back to pay my actual mortgage.

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 2025-06-04 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: NY

Complaint narrative:
Every time I make a payment to my loan servicer, Nelnet, I input special payment instructions to have my payment ( which is in excess of the amount due ) applied first to the amount due, and then the rest to be applied to the principal balance of the loan with the smallest balance so that I can pay it off faster. To do this I have to submit a payment instruction form where I check a box that instructs nelnet to not advance my payment due date by more than the standard one month. I do this so that my excess payment is not just being rolled over to the next months bill, which would incur me paying more interest over time. However, every single time Ive done this, Nelnet has ignored this request and applied the excess to the next months amount due, therefore charging me more interest. Ive called in to their customer service now at least 10 times to have them retroactively fix how the payments were applied because it has never been correctly applied how Ive requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Good afternoon, So I applied for XXXX XXXX XXXX and got denied. The reason was ChexSystems reporting that my account is Unpaid and accurate from XXXX XXXX XXXX. I sent ChexSystems a proof of me making payment to XXXX XXXX XXXX and account is Paid and Full. I cant open a bank account because this information is not DELETED OFF CHEXSYSTEMS.

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 2025-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding my ongoing inability to access my Optum Bank online account for my company-sponsored Health Savings Account ( HSA ). The issue began in early XX/XX/year> and remains unresolved despite multiple attempts to work with their customer service team. 

Since early XXXX, each time I attempt to log in at optumbank.com, I receive the message : " Optum Bank records indicate you do not have access to optumbank.com. '' I contacted Optum Bank customer service twice on XX/XX/XXXX, at XXXX XXXX  and XXXX XXXX. During both calls, agents were unable to locate my account using my name, date of birth, and the last four digits of my Social Security number. Only after I provided my full Social Security number were they able to find my account. 

Following their guidance, I attempted to log in using all three major browsers ( XXXX XXXX, XXXX, and XXXX XXXX ) and reset my password multiple times, all of which resulted in the same error message. 

I was told that there may be two accounts associated with my information, which could be causing the issue. However, I have only ever created one account with Optum Bank, and I understand that your system does not permit multiple accounts under the same Social Security number. One unfamiliar XXXX mentioned to me, but I do not recognize it and did not create it. 

On XX/XX/XXXX, I called again and was told that my profile could not be accessed without my full SSN. The agent created Case # XXXX and said I should be contacted by the IT department within 35 business days. 

I followed up again on XX/XX/XXXX, but was told the timeframe had not yet passed. I was given a second case number, XXXX XXXX, and asked to wait longer. 

On XX/XX/XXXX, I called again due to continued access issues. After a 53-minute callagain requiring my full SSNthe agent assured me I would be able to log in within 24 hours. However, as of XX/XX/XXXX, I am still unable to access my account, with the same error message appearing. 

Most concerning, multiple agents told me that I never had an online account, and suggested I create one, despite the fact that I have used the account previously. This inconsistency is extremely troubling, especially given that this involves sensitive health and financial data.

For reference, my account number with Optum Bank has been provided.

I respectfully request immediate escalation of this issue and a formal investigation. Thank you for your attention to this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: Experian Information Solutions 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 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 2025-06-04 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: SC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The company keep reporting my account as late theres a lot of inaccurate the late payments days 1. FCRA 607 ( b ) Maximum Possible Accuracy This tradeline is currently reported with multiple inaccuracies : Discrepancies in joint account disclosure across bureaus Balance and payment history do not align across months Late payments remain reported despite evidence of large payments ( e.g., {$12000.00} in XX/XX/year> ) These contradictions reflect failure to ensure data integrity as mandated by the FCRA. 

2. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Incomplete or Misleading Information If this account is joint with another borrower, and if that borrower made payments or settlements, then reporting continued delinquencies under my name alone is incomplete and misleading. Joint liability must be accurately disclosed and any corrective history must be reflected across all bureaus.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian you are reporting a deleted account remove at once and any third party account at once respond through the CFPB

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 2025-06-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Cease and Desist Report Number XXXX To Whom It May Concern, This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ) that you are to CEASE AND DESIST from all forms of communication with me regarding the alleged debt referenced above. 

This includes, but is not limited to : - Telephone calls or text messages to any of my numbers - Letters, emails, or electronic messages- Reporting or updating information about the alleged debt with any credit reporting agency Be advised that reporting to credit bureaus is considered a form of communication under the FDCPA. Therefore, any further reporting or updating of this alleged debt to consumer credit reporting agencies ( including XXXX, Experian, and XXXX  ) will be interpreted as a violation of this cease and desist demand. 

If you believe any further contact is

required by law, you may only contact me via certified mail with clear and specific legal justification.

Failure to comply with this notice may result in complaints filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the appropriate state attorney generals office. I also reserve the right to take legal action for any violations under the FDCPA or other applicable laws. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: DE

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

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 2025-06-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-04 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
This record of late payments is erroneous and does not accurately reflect my regular payment patterns. I have consistently made my payments on time, and I ask that it be deleted to guarantee that my account is reflecting correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report, Thes remarks have been detrimental to my life and credit health.

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 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Credit Collections is trying to collect for XXXX and I have paid the final bill and they are saying i owe XXXX dollars. I asked for contract and payment information for this account and it was not provided. Please remove from my XXXX  report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MI

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 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 2025-06-04 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation