vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited a check issued by XXXX XXXX XXXX XXXX XXXX early in the day on XX/XX/XXXX. Funds are still not available with no letter, email or electronic notification as of XX/XX/XXXX. I am in result behind on bills and unable to by groceries for my children. The ban told me the hold expires XX/XX/year> ( I had to call them today XXXX XXXX ). Due to it being a payroll check from the government I find the length of the hold unacceptable and I find the lack of communication even more unacceptable. This has also directly caused a negative impact on my credit score while I was trying to build credit to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding two accounts reported by Wells Fargo Bank ( Account Numbers : XXXX and XXXX ) that continue to negatively impact my credit despite being settled in full with no outstanding balances. One account has been reporting since XXXX, exceeding the 7-year limit allowed under the Fair Credit Reporting Act ( FCRA ). The XXXX is inconsistently reported, varying from XXXX to XXXX, despite no activity since the accounts were closed. I have not received a Form 1099-C for cancellation of debt, as required by IRS regulations . This may constitute a tax violation, and I am within my rights to file IRS Form 3949-A to report it. These issues are violations of the FCRA and IRS regulations, which mandate accurate reporting and compliance. This information was disputed in a letter sent to Wells Fargo on XX/XX/XXXX, which is attached to this complaint. Despite my efforts to resolve this directly, Wells Fargo has not corrected the inaccuracies. I am requesting the immediate deletion of these accounts from all credit bureaus. Failure to address these discrepancies may result in further action, including pursuing my rights under the FCRA and reporting potential tax violations to the IRS. 

Attached are the original dispute letter and supporting documentation. I look forward to your assistance in resolving this matter promptly.

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 2025-01-22 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: LA

Complaint narrative:
This ENTITY is in violation of The Gramm-Leach-Bliley Act of 1999. Also, The Fair Debt Collection Act by The Federal Trade Commision. 

Violations of My Consumer Rights!!! 

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 Racial Bais Adding delinquent accounts to my credit report. Geographical Profiling Racial Profiling Keeping accounts in Negative Status. Violations of CONSUMER RIGHTS. VIOLATIONS OF CONSUMER LAW 'S. FRAUDULENT BUSINESS PRACTICES!!!! 15 USC 1650 15 USC 3002-10 ( Person ) 18 USC Section 241 UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. 




I AM The Executor of The Estate of 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Have been banking with Sofi money account since XXXX and have been using the account for transactions successfully and I trusted the bank not until for no reason my account was restricted and was told to call the customer support of which I did but they keep telling me they will transfer me to the security department because theyre the right department to discuss why it was under review and I always later ended up dropping a voicemail waiting for response from the security department .. since XXXX XXXX till date XX/XX/XXXX I have never heard from the security department or Sofi about my money and they tend to even hang up calls on me most time for my own personal money which I find very disrespectful and bad. I used other banks and once they dont want to continue with u they mail a check over to your address since they closed the account no what I see it to be is Sofi just want to steal my money from me {$12000.00} is my available balance. Also XX/XX/XXXX I received an email from Sofi money that my restrictions on the account have been lifted but when I tried to take out my money it got locked again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: 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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I went to XXXX XXXX 's website & ordered tickets for a concert. The ticket fee was listed {$220.00}. While picking out seats, I was hijacked without authorization to XXXX XXXX. Believing I was still on the XXXX XXXX website, I gave my XXXX XXXX info to secure the tickets. The next day I was alerted by email that my card was charged {$540.00} instead of the {$220.00} quoted. XX/XX/XXXX, I called XXXX XXXX about this overcharge. They informed me that they did not sell me the tickets, but I had unwittingly bought them from XXXX XXXX. I called XXXX XXXX, who refused to refund the charge. I called Comenity Bank and asked them to stop payment for the tickets, but was told it was pending, I would have to wait till it was posted before disputing the charge. On XX/XX/XXXX Comenity initiated a dispute. I spent months on the phone & in writing to the bank. In XXXX, I gave up, feeling harassed by Comenity and paid {$540.00}, though I never received or used the tickets. I canceled the credit card at that time. A couple weeks later, Comenity sent a refund check to me for {$510.00}, which when added to the late fee of {$30.00} equals {$540.00}. They have put that charge of {$540.00} back on my credit card & charged interest on it monthly even though I already paid them and canceled the card. The bank continues to harass me with phone calls, emails and daily texts. I have documents of proof I can send if requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was notified by a debt collection agency that a settlement offer was presented to them regarding an account with Syncrony Bank. I have never had an account with Syncrony Bank or any of its affiliates.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, the transactions I sent were not going through I had to do test deposits in which I called my bank after 2 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Letter to Remove Inaccurate Credit Information I sent of a letter to your company over 60 days ago requesting that you investigate the above account that is on my credit report. I tired to wait for your response but now it seems that your company is taking advantage of my kindness. I am not liable for this debt and want it off my credit report. I am filing a complaint with the XXXX XXXX XXXX about this issue. I don't understand why your company think 's it ok to not response to someone who is clearly trying to get her credit back on the right track. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. CREDITACPT XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am reaching out to express my concerns regarding Zelle 's handlig of disputes in light of the lawsuit from CFPB with issues on the platform. Despite using zelle and reporting issues my bank and zelle failed to investigate my claims when brought to there attention. They pretty much told me the funds were gone and it was nothing they could do to retrive them. The lawsuit found that zelle was neglected to protect its consumers but also allow repeat offenders to exploit the system leaving me open to more issues with zelle and my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
This ENTITY is in violation of The Gramm-Leach-Bliley Act of 1999. Also, The Fair Debt Collection Act by The Federal Trade Commision.

Violations of My Consumer Rights!!!

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 XXXXXXXX XXXX Adding delinquent accounts to my credit report. XXXX XXXX XXXXXXXX Profiling Keeping accounts in Negative Status. Violations of CONSUMER RIGHTS. VIOLATIONS OF CONSUMER LAW 'S. FRAUDULENT BUSINESS PRACTICES!!!! 15 USC 1650 15 USC 3002-10 ( Person ) 18 USC Section 241 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. 




I AM The Executor of The Estate of XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
This ENTITY is in violation of The Gramm-Leach-Bliley Act of 1999. Also, The Fair Debt Collection Act by The Federal Trade Commision.

Violations of My Consumer Rights!!!

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 XXXX XXXX Adding delinquent accounts to my credit report. XXXX XXXX XXXX  Profiling Keeping accounts in Negative Status. Violations of CONSUMER RIGHTS. VIOLATIONS OF CONSUMER LAW 'S. FRAUDULENT BUSINESS PRACTICES!!!! 15 USC 1650 15 USC 3002-10 ( Person ) 18 USC Section XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. 




I AM The Executor of The Estate of 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 2025-01-22 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: IN

Complaint narrative:
I am filing this formal complaint against Experian for repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically regarding their failure to investigate disputes, maintain accurate credit reporting, and comply with federal laws. Despite multiple attempts to address inaccuracies on my credit report, Experian has neglected to properly investigate, update, or remove disputed information, causing harm to my credit profile and financial standing. 
Background of the Complaint I have submitted multiple dispute letters to Experian regarding inaccuracies on my credit report, but the following issues persist : Failure to Ensure Maximum Possible Accuracy Violation of 15 U.S.C. 1681e ( b ) : Experian is obligated to follow reasonable procedures to ensure maximum possible accuracy of the information reported on my credit file. However, inaccurate account details, inconsistent remarks, and incorrect balances continue to be reported, even after disputes. 
Failure to Investigate Disputed Information Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Experian is required to conduct a reasonable reinvestigation of disputes within 30 days. Despite submitting detailed disputes with supporting documentation, Experian has failed to investigate properly or remove the inaccurate information.

Failure to Delete Inaccurate Information Violation of 15 U.S.C. 1681i ( a ) ( 5 ) : Experian is required to delete or correct inaccurate, incomplete, or unverifiable information from credit reports. However, the inaccuracies remain on my credit report, even though they can not be verified.

Failure to Properly Handle Disputed Information by Furnishers Violation of 15 U.S.C. 1681s-2 : Creditors and data furnishers are required to provide accurate information and investigate disputes submitted by consumers. Experian has failed to ensure that data furnishers comply with this requirement.

Failure to Remove Outdated and Obsolete Information Violation of 15 U.S.C. 1681c ( c ) : Experian has reported outdated and obsolete information, which should have been removed according to federal law.

Recent CFPB Lawsuit Against Experian I recently learned that the CFPB filed a lawsuit against Experian for failing to properly investigate consumer disputes and reinserting errors into consumer credit reports. The CFPB alleges that Experians sham investigations violate consumer protection laws and threaten access to credit, employment, and housing. My experience aligns with these findings. Despite providing clear evidence of errors, Experian has repeatedly refused to correct 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 explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-22 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-01-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am resubmitting a formal complaint to CITICARDS CBNA regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. 
If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.

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 2025-01-22 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, XXXX 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 2025-01-22 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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