vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
{$65.00} was charged on my debit card unauthorized to a company called eneba. Wells fargo notified my of suspicious activity on my debit card from the exact company. I immediately responded that it was not me and they said they cancelled the charges.... They cancelled all but one. It is inexcusable to not give me back the amount owed fully when obviously Wells Fargo even suspected fraud. They think I will not go after them for that small of amount, but we will. What is the very concerning is Wells Fargo would have let our entire accounts be drained and not refund us. That is not acceptable.

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 2025-04-24 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these from my 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 2025-04-24 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Capital One regarding the handling and credit reporting of my charged-off credit card account. I believe Capital One is violating my rights under the Fair Credit Reporting Act ( FCRA ), and potentially the Servicemembers Civil Relief Act ( SCRA ), depending on applicability.

Issue Summary : Capital One charged off my credit card account, but they continue to report both a credit limit and monthly late payments after the charge-off date. This reporting appears to be inaccurate and misleading, which is a potential violation of the FCRA.

Despite the account being charged off, Capital One refuses to provide a settlement amount that would allow me to resolve the debt in good faith.

I have contacted Capital One multiple times via phone and written communication to request clarification, a settlement amount, and corrections to the credit reporting. Each time, I either received no response or was given no useful information or assistance. No action has been taken on their part to resolve this matter.

Requested Action : Investigate Capital Ones reporting of my account for compliance with federal law, including whether post-charge-off late payment reporting is appropriate.

Require Capital One to correct any inaccurate reporting, particularly the continued reporting of late payments after charge-off.

Facilitate a fair settlement option that would allow me to resolve the account.

If found to be inaccurately reported or in violation of the law, request that this account be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
I am submitting this formal complaint against Experian for failing to conduct a legally required investigation into multiple inaccuracies I previously disputed on my credit report. Despite submitting a written dispute under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit reporting agency has not taken appropriate corrective action, nor have they provided proper documentation verifying the disputed information. 

Failure to investigate my dispute within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Failure to delete or correct inaccurate, incomplete, or unverifiable information in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to provide notice of results and a free credit report following the investigation, violating 15 U.S.C. 1681i ( a ) ( 6 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and potentially unlawful credit reporting by XXXX XXXX XXXX appearing on my Experian credit report. The account is being reported as both charged off and past due as of XX/XX/year>, which constitutes a Metro 2 compliance violation and is materially misleading.

According to the Metro 2 Format, as established by the XXXX XXXX XXXX XXXX ( XXXX ), a tradeline can not be reported as both charged off and past due simultaneously, as the charged-off status indicates the debt is no longer expected to be collected as a regular receivable. Continuing to report a past due amount after the account has been charged off is both inaccurate and deceptive.

Furthermore, I have not received a Form 1099-C ( Cancellation of Debt ) or a purchase agreement, which would be required if the debt were forgiven or sold. This lack of documentation raises serious concerns about the accuracy and ownership of the reported debt.

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( Section 611 ) requires Experian to conduct a reasonable reinvestigation of any disputed information within 30 days.

15 U.S. Code 1681e ( b ) mandates that Experian must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.

Additionally, under Regulation F, as implemented by the Consumer Financial Protection Bureau ( CFPB ), debt collectors and furnishers must avoid deceptive practices and ensure the information they report is both accurate and substantiated.

Requested Action : I formally request that Experian : Delete the inaccurate reporting from XXXX XXXX XXXX that lists the account as both charged off and past due. 

Provide me with documentation used to verify the validity and ownership of this debt, including any 1099-C or purchase agreement.

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 2025-04-23 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: VA

Complaint narrative:
My ex wife had this credit card in her name and after owning it for years she added me as an authorized user. Then after we were legally separated she took her name off the account leaving me with the balance. This was never my card or account.

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 2025-04-23 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-04-23 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: MS

Complaint narrative:
SEVERAL INQUIRIES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. ACCORDING TO THE FCRA ( FAIR CREDIT REPORTIMG ACT ), LEGALLY UNVERIFIED & UNAUTHORIZED ITEMS MUST BE 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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-23 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:
I am filing this complaint due to the continued collection activity and reporting of an alleged debt by the above-referenced company, despite my lawful demands for verification and documentation under multiple consumer protection laws.

I have formally disputed this alleged debt and requested that the company : Provide a certified copy of the original agreement, signed by me, that legally establishes the alleged obligation ; Produce documentation proving mutual acceptance and execution of the contract by both parties, per Louisiana contract law ; Provide an itemized accounting of the debt ; Disclose any insurance claims, charge-offs, or 1099-C forms related to the account ; Clarify the legal basis for continued credit reporting if the debt has been forgiven, settled, or charged off.

Despite these lawful requests, the company continues to report inaccurate and unverifiable information to consumer reporting agencies in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Internal Revenue Code and 26 CFR 1.6050P-1 Louisiana Civil
Code, Articles 19271983 Privacy Act of 1974 5 U.S.C. 552a Privacy Act Violation and Opt-Out Notification Additionally, under the Privacy Act of 1974, I submitted a written and signed opt-out request via certified mail to the company, expressly stating the following : I formally opt out of all data sharing with credit reporting agencies, affiliates, third-party collectors, and data aggregators ; I hereby demand that the company cease and desist from reporting or distributing any of my personal, financial, or credit-related information, effective immediately and indefinitely ; I expressly revoke any and all prior consent or authorizations, whether written, non-written, verbal, non-verbal, implied, or assumed, that may have been previously given to the company to report, share, or disclose my personal financial data. 

Despite this lawful and properly delivered notice, the company continues to furnish or update my private financial data to third-party agencies, in direct violation of my federally protected privacy rights and revocation of authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I am filing this complaint regarding a charge-off account, PNCBANK - XXXX XXXX XXXX XXXX XXXX - {$49000.00}, that was reinserted onto my credit report without proper verification. This account was previously disputed, and I have not received sufficient documentation proving its legitimacy. Despite my efforts to resolve the matter, this account continues to be reported, negatively impacting my credit. The reinserted account is not authorized by me and should not appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and verifiable information reported, and I demand that PNC Bank provide original, signed documentation to substantiate the existence of this debt. If such documentation can not be provided, I request that this account be permanently removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX regarding the handling and credit reporting of my charged-off credit card account. I believe XXXX XXXXXXXX is violating my rights under the Fair Credit Reporting Act ( FCRA ), and potentially the Servicemembers Civil Relief Act ( SCRA ), depending on applicability. 

Issue Summary : XXXX XXXX charged off my credit card account, but they continue to report both a credit limit and monthly late payments after the charge-off date. This reporting appears to be inaccurate and misleading, which is a potential violation of the FCRA. 
Despite the account being charged off, XXXX XXXX refuses to provide a settlement amount that would allow me to resolve the debt in good faith. 
I have contacted XXXX XXXX multiple times via phone and written communication to request clarification, a settlement amount, and corrections to the credit reporting. Each time, I either received no response or was given no useful information or assistance. No action has been taken on their part to resolve this matter. 

Requested Action : Investigate Capital Ones reporting of my account for compliance with federal law, including whether post-charge-off late payment reporting is appropriate. 
Require XXXX XXXX to correct any inaccurate reporting, particularly the continued reporting of late payments after charge-off. 
Facilitate a fair settlement option that would allow me to resolve the account. 
If found to be inaccurately reported or in violation of the law, request that this account be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX regarding the handling and credit reporting of my charged-off credit card account. I believe XXXX XXXXXXXX is violating my rights under the Fair Credit Reporting Act ( FCRA ), and potentially the Servicemembers Civil Relief Act ( SCRA ), depending on applicability.

Issue Summary : XXXX XXXX charged off my credit card account, but they continue to report both a credit limit and monthly late payments after the charge-off date. This reporting appears to be inaccurate and misleading, which is a potential violation of the FCRA.

Despite the account being charged off, XXXX XXXX refuses to provide a settlement amount that would allow me to resolve the debt in good faith.

I have contacted XXXX XXXX multiple times via phone and written communication to request clarification, a settlement amount, and corrections to the credit reporting. Each time, I either received no response or was given no useful information or assistance. No action has been taken on their part to resolve this matter.

Requested Action : Investigate XXXX XXXX reporting of my account for compliance with federal law, including whether post-charge-off late payment reporting is appropriate. 
Require XXXX XXXX to correct any inaccurate reporting, particularly the continued reporting of late payments after charge-off.

Facilitate a fair settlement option that would allow me to resolve the account.

If found to be inaccurately reported or in violation of the law, request that this account be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX  XXXX regarding the handling and credit reporting of my charged-off credit card account. I believe XXXX XXXX  is violating my rights under the Fair Credit Reporting Act ( FCRA ), and potentially the Servicemembers Civil Relief Act ( SCRA ), depending on applicability.

Issue Summary : XXXX XXXX c

harged off my credit card account, but they continue to report both a credit limit and monthly late payments after the charge-off date. This reporting appears to be inaccurate and misleading, which is a potential violation of the FCRA. Despite the account being charged off, XXXX XXXX refuses to provide a settlement amount that would allow me to resolve the debt in good faith.

I have contacted XXXX XXXX multiple times via phone and written communication to request clarification, a settlement amount, and corrections to the credit reporting. Each time, I either received no response or was given no useful information or assistance. No action has been taken on their part to resolve this matter.

Requested Action : Investigate XXXX XXXX reporting of my account for compliance with federal law, including whether post-charge-off late payment reporting is appropriate. 
Require XXXX XXXX to correct any inaccurate reporting, particularly the continued reporting of late payments after charge-off.

Facilitate a fair settlement option that would allow me to resolve the account.

If found to be inaccurately reported or in violation of the law, request that this account be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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