vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your company 's failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against Equifax for engaging in sham investigations and failing to properly address consumer disputes. 
It is unacceptable that Equifax, as one of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies. 
Below, I cite three key federal laws under **15 U.S.C** that Equifax is legally obligated to comply with : 1. **15 U.S.C. 1681c - Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. Equifax 's failure to remove or correct such information violates this provision and harms my creditworthiness. 
2. **15 U.S.C. 1681e - Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Equifax 's sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation. 
3. **15 U.S.C. 1681i - Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. Equifax 's pattern of conducting inadequate or sham investigations, as highlighted by the CFPB 's enforcement action, is a clear violation of this law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TrueAccord Corp.
State: TX

Complaint narrative:
I am filing this complaint against TrueAccord regarding Account XXXX, demanding its immediate removal due to misleading and unlawful reporting practices. TrueAccord has a history of engaging in illegal business practices, including debt collection without proper licensing and violations of state regulations. I was never notified by the original creditor or TrueAccord that this account was sold to a third party, raising serious legal concerns about the legitimacy of their claim. Under the Fair Credit Reporting Act ( FCRA ), collection accounts can not report late payments or a past-due status, yet this account is being falsely reported in violation of federal law. Additionally, I have never received proper verification from the original creditor, in which they were already informed that my personal information was compromised in a data breach ( attached ), and a FTC report was filed early last year. Given these violations, I formally demand the immediate removal of this account and written confirmation within 30 days. Failure to comply will result in further legal action, as I will not tolerate the continued damage to my credit due to TrueAccord 's failure to adhere to federal law.

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 2025-01-31 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: CT

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 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 2025-01-31 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX please the remove the temporary suspension from my checking account and saving account I got these two emails Confirmation needed to release temporary suspension protecting your account ending in 0866 Confirmation needed to release temporary suspension protecting your account ending in XXXX Inbox Wells Fargo Online XXXX ( XXXX minutes ago ) to me Wells Fargo XXXX Dear XXXX XXXX XXXX XXXX Recently, we discovered unusual activity or updates on your account that we believe may be unauthorized. For your protection, we have temporarily suspended use of this account until you verify the activity ; you will not be able to use the XXXX XXXX linked to this account for withdrawals or purchases until we hear from you.

What you need to do Please contact us as soon as possible to confirm your recent activity or to let us know if you think this account was used without your permission. 

In person : Visit any Wells Fargo branch and speak to a banker. To find a branch near you, visit us online at XXXX By phone : Call us at XXXX, XXXX XX/XX/XXXXThank you, Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX Security Center | Contact XXXX XXXX Confirmation needed to release temporary suspension protecting your account ending in XXXX Confirmation needed to release temporary suspension protecting your account ending in XXXX Inbox Wells Fargo Online XXXX ( XXXX minutes ago ) to me Wells Fargo XXXX Dear XXXX XXXX XXXX : Recently, we discovered unusual activity or updates on your account that we believe may be unauthorized. For your protection, we have temporarily suspended use of this account until you verify the activity ; you will not be able to use the XXXX XXXX XXXX XXXX this account for withdrawals or purchases until we hear from you. 

What you need to do Please contact us as soon as possible to confirm your recent activity or to let us know if you think this account was used without your permission. 

In person : Visit any Wells Fargo branch and speak to a banker. To find a branch near you, visit XXXX online at XXXX By phone : Call us at XXXX, XXXXXX/XX/XXXXXX/XX/XXXXThank you, Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX Security Center | Contact Us XXXX please remove the temporary suspension from both accounts saving account and checking account and remove the temporary suspension on debit card my ssn number is XXXX to look up my savings account number and checking account number but I think it is Everyday Checking Account number : XXXX Do not show Everyday Checking account number XXXX Account number : XXXX Do not show XXXX account number Routing number : XXXX Please look at the attachment below etc.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, I discovered a duplicate withdrawal for {$120.00} from my bank account for an XXXX XXXX XXXX service payment. This resulted in an overdraft and caused significant financial inconvenience. I immediately contacted my bank to dispute the charge and was informed it would take XXXX business days to resolve. 

To prevent further issues, I contacted XXXX XXXX XXXX on XX/XX/year>, to report the double payment and cancel my autopay authorization. I was disappointed to learn that XXXX XXXX XXXX lacks a system to prevent duplicate payments and was informed that the refund process could also take several days. 

This incident has caused me significant financial hardship and stress, as I was unable to meet other financial obligations due to the unexpected overdraft. I believe both my bank and XXXX XXXX XXXX share responsibility for this situation and should take immediate steps to rectify the issue and prevent similar occurrences in the future. 

Please refer to the attached complaint letter for a detailed account of the events, including specific concerns regarding the lack of consumer protections and the need for improved practices by both companies.

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 2025-01-31 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: OH

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX  OH XXXX Reference number XXXX Record type Bankruptcy XXXX  XXXXdismissed Court XXXX XXXX XXXX  OH XXXX XXXX XXXX - Account number - XXXX XXXX  XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX & XXXX - Original XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXXXXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX  - XXXX creditor : XXXX XXXXXXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXXXXXX XXXX XXXX 
Account number - XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX - XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX Account number - XXXX XXXX  XXXX XXXX - Original creditor : OHIO XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXXXXXX - Original creditor : XXXX XXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX  - Original creditor : XXXX XXXX XXXX Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15

U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

_____________________________________________ BANKRUPTCY CODES.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452-

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 2025-01-31 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: OH

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX  OH XXXX Reference number XXXX Record type Bankruptcy XXXX  XXXXdismissed Court XXXX XXXX XXXX  OH XXXX XXXX XXXX - Account number - XXXX XXXX  XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX & XXXX - Original XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXXXXXX XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXX  - XXXX creditor : XXXX XXXXXXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXXXXXX XXXX XXXX 
Account number - XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX - XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX Account number - XXXX XXXX  XXXX XXXX - Original creditor : OHIO XXXX XXXX Account number - XXXXXXXX XXXX XXXX XXXXXXXX - Original creditor : XXXX XXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX  - Original creditor : XXXX XXXX XXXX Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15

U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

_____________________________________________ BANKRUPTCY CODES.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
The creditor contacted me through a third party, and the amount they claim I owe keeps changing. I dispute this debt, as I do not owe the stated amount. Additionally, they are harassing me and have improperly reported this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
XXXX XXXX XXXX  has inaccurately reported a collections account that has been previously validated as fraudulent and removed by other reporting agencies. The bank is attempting to collect {$3100.00} for an invalid debt that it has failed to properly verify. Despite providing substantial evidence confirming the fraudulent nature of the account, XXXX XXXX XXXX has refused to remove the inaccurate information. 
Repeated attempts to dispute this matter via mail, phone, and the Consumer Financial Protection Bureau ( CFPB ) have been ignored or dismissed. The bank has been presented with official documentation from other credit reporting agencies verifying the removal of the fraudulent account, yet it continues to report this invalid debt. 
This issue is urgent, as it has persisted for over two years and has significantly impacted my credit scoreresulting in a disparity of over 100 points between my XXXX report and other credit reports. As a result, I have been unable to secure housing and financial opportunities. The specialized staff responsible for reviewing this account should be held accountable for the financial hardship their actions have caused. 
I formally request the immediate removal of this fraudulent account and all associated personal information from my credit file. Failure to rectify this matter constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I expect prompt action to resolve this issue without further delay.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I am submitting this complaint to formally dispute the unjustified closure of my checking account with [ Wells Fargo ]. On XX/XX/year>, I was notified that my account will be closed without a clear explanation. Despite multiple attempts to seek clarification, I have not received a satisfactory response from the bank. The company just explained a business relationship. I just received money ( {$100.00} ) from my friend. I don't think closing my account is reasonable.

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 2025-01-31 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent numerous letters certified mail addressing my report to updated and score be availble to me. Blocking me out of the online system, and not properly codes of viloations XXXX. How did report # XXXX get removed out the system and why? XXXX. Any reports remaining closed I need to get a 1099 form by law. : I am writing to formally dispute inaccurate credit information that appears in my TransUnion credit report. It has come to my attention that my credit score and other reporting details do not match those provided by other credit bureaus, which is a violation of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). As you are aware, consumers have the right to accurate and consistent reporting across all credit bureaus to ensure fair access to credit opportunities. 
Specifically, I have noticed significant discrepancies in my credit score as reported by TransUnion compared to other major credit bureaus. Such inconsistencies create unfair disadvantages when applying for loans, mortgages, and other financial services. Under TILA, lenders rely on this information to assess creditworthiness, and any incorrect reporting directly affects my financial stability and borrowing ability. 
I request that TransUnion promptly investigate and correct the discrepancies in my credit file. Please provide a detailed explanation of why my credit score and report differ from other credit bureaus and what actions you will take to rectify this issue. If necessary, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 
I kindly ask that you respond to this request within XXXX  days, as required by law. Please provide me with a written confirmation of the corrective actions taken. You may contact me at the information provided above should you require additional details.

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 2025-01-31 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NJ

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

Company response to consumer: Closed with explanation