vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA froze my account. They required a copy of my ID to reopen the account which I provided. They still have not unfrozen my account. I have been their customer over 20 years. They already have all my information on file. They refuse to give me any access to my money and refuse to say why. Additionally, I work for the XXXX and I recently was transferred from XXXXXXXX XXXX XXXXXXXX. They know this because they also provide me with auto insurance and I had to tell them my XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Next, they told me I must notify them when XXXX XXXX XXXX XXXX up so they can fully insure the vehicle. They refuse to let me talk to the insurance department while the accounts are frozen. I have to pick up my car tomorrow from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Lastly, my rent is due. I start accruing late fees tomorrow. USAA has said they will not reimburse me for losses they cause.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Card Serv. I disputed this account last month. Included with my dispute was a letter from Wells Fargo that confirmed the account was not 30 days past due for my XX/XX/XXXX payment. The letter clearly states that a payment was made on XX/XX/XXXX. Pursuant to a settlement agreement with the XXXX and other attorney generals in XXXX, XXXX XXXX agreed to assign an employee to investigate disputes that have supporting documentation. I would a description of XXXX XXXX investigation of my dispute. In particular, please state whether XXXX XXXX assigned an employee to investigate my dispute and if so, what were the findings. 

Also, there are new problems with XXXX XXXX reporting of this account. First, my payment for XX/XX/XXXX is missing from the payment history of the tradeline. Second, XXXX XXXX is not reporting that the account is disputed, including the nature of my dispute. Third, XXXX XXXX is not reporting a Date of First Delinquency. Please remove the late payment notation for XX/XX/XXXX or remove this account entirely. Otherwise, XXXX XXXX needs to report complete information and include the information that I just identified as missing. 

XXXX XXXXXXXX XXXX. I received dispute results for my dispute regarding this account. The File Number and Date Issued for the Investigation Results are XXXX and XX/XX/XXXX. I disputed that the account was 30 days late in XX/XX/XXXX. Not only is XX/XX/XXXX still reporting late but my payment for XX/XX/XXXX is not reporting and the pay status is reporting as 30 days past due. I made my payments in XXXX and XX/XX/XXXX within 30 days of the due date. The account is currently on time. And I was current/on time in XXXX and XX/XX/XXXX. 

I viewed my myXXXX  report and it reflects that the account was current in XX/XX/XXXX. But XXXX XXXX XXXXnvestigation Results is reporting the payment status for XX/XX/XXXX as Unknown. Also, the payment history stops in XX/XX/XXXX. As a result, my payment for XX/XX/XXXX is not reporting. I am attaching my myXXXX  report, which shows the account should report as current/on-time in XX/XX/XXXX. I am also attaching a screenshot of my online account with XXXX XXXXXXXX XXXX  The screenshot shows that the balance is {$14000.00} and that a payment of {$470.00} was paid on XX/XX/XXXX. XXXX XXXXXXXX XXXX  reported this account to XXXX XXXX before my payment of {$470.00}. But the payment was only 9 days late. The payment due in XX/XX/XXXX was {$460.00}, which was covered by the {$470.00}. Despite the payment, XXXX XXXX is still reporting that the account is {$460.00} past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. I disputed this account last month. Included with my dispute was a letter from XXXX XXXX that confirmed the account was not XXXX days past due for my XX/XX/XXXX payment. The letter clearly states that a payment was made on XX/XX/XXXX. Pursuant to a settlement agreement with the XXXX and other attorney generals in XXXX, XXXX XXXX agreed to assign an employee to investigate disputes that have supporting documentation. I would a description of XXXX XXXX investigation of my dispute. In particular, please state whether XXXX XXXX assigned an employee to investigate my dispute and if so, what were the findings. 

Also, there are new problems with XXXX XXXX reporting of this account. First, my payment for XX/XX/XXXX is missing from the payment history of the tradeline. Second, XXXX XXXX is not reporting that the account is disputed, including the nature of my dispute. Third, XXXX XXXX is not reporting a Date of First Delinquency. Please remove the late payment notation for XX/XX/XXXX or remove this account entirely. Otherwise, XXXX XXXX needs to report complete information and include the information that I just identified as missing. 

1ST National Bank. I received dispute results for my dispute regarding this account. The File Number and Date Issued for the Investigation Results are XXXX and XX/XX/XXXX. I disputed that the account was 30 days late in XX/XX/XXXX. Not only is XX/XX/XXXX still reporting late but my payment for XX/XX/XXXX is not reporting and the pay status is reporting as 30 days past due. I made my payments in XXXX and XX/XX/XXXX within 30 days of the due date. The account is currently on time. And I was current/on time in XXXX and XX/XX/XXXX. 

I viewed my myFICO report and it reflects that the account was current in XX/XX/XXXX. But XXXX XXXX XXXX XXXX is reporting the payment status for XX/XX/XXXX as Unknown. Also, the payment history stops in XX/XX/XXXX. As a result, my payment for XX/XX/XXXX is not reporting. I am attaching my myFICO report, which shows the account should report as current/on-time in XX/XX/XXXX. I am also attaching a screenshot of my online account with First National Bank. The screenshot shows that the balance is {$14000.00} and that a payment of {$470.00} was paid on XX/XX/XXXX. First National Bank reported this account to XXXX XXXX before my payment of {$470.00}. But the payment was only XXXX days late. The payment due in XX/XX/XXXX was {$460.00}, which was covered by the {$470.00}. Despite the payment, XXXX XXXX is still reporting that the account is {$460.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: UT

Complaint narrative:
Never received a validation of debt letter to dispute debt. They said it was send XXXXXXXX XXXX XXXX but the only letter I received was sent XX/XX/XXXX. They refused to send a letter of verification when requested via phone on XX/XX/XXXXXXXX XXXX contact number XXXX ) and I could not dispute the debt because the 30 day period has passed. Claims amount of {$1600.00} with not validation or proof of debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( # XXXX ) To Whom It May Concern, I am formally disputing the reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit report. Upon reviewing my report, I found inaccurate and inconsistent payment reporting that violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Legal Basis for Dispute FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccuracies I request a formal reinvestigation of this account. 
If XXXX XXXX XXXX can not provide verifiable proof of accurate reporting, this item must be deleted from my report.

FCRA 609 ( 15 U.S.C. 1681g ) Right to Verification I demand the following documents : A complete payment history with dates and amounts. 
Original creditor agreements proving I am liable for this debt. 
Documentation justifying the reported late payments. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Furnishers to Report Accurate Information XXXX XXXX XXXX is legally required to ensure the accuracy of the information reported to credit bureaus. 
If they can not validate these late payments with proper documentation, they must remove them immediately. 
FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of False or Misleading Representations If this account is reported inaccurately or misleadingly, it may be a violation of federal law, subjecting the furnisher to legal consequences. 
Requested Action Correct or remove any inaccurate late payment history. 
Provide a full verification of the accounts reporting accuracy. 
Respond within 30 days as required under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX ( # XXXX ) To Whom It May Concern, I am formally disputing the reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit report. Upon reviewing my report, I found inaccurate and inconsistent payment reporting that violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Legal Basis for Dispute FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccuracies I request a formal reinvestigation of this account. 
If XXXX XXXX XXXX can not provide verifiable proof of accurate reporting, this item must be deleted from my report. 
FCRA 609 ( 15 U.S.C. 1681g ) Right to Verification I demand the following documents : A complete payment history with dates and amounts. 
Original creditor agreements proving I am liable for this debt. 
Documentation justifying the reported late payments. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Furnishers to Report Accurate Information XXXX XXXX XXXX is legally required to ensure the accuracy of the information reported to credit bureaus. 
If they can not validate these late payments with proper documentation, they must remove them immediately. 
FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of False or Misleading Representations If this account is reported inaccurately or misleadingly, it may be a violation of federal law, subjecting the furnisher to legal consequences. 
Requested Action Correct or remove any inaccurate late payment history. 
Provide a full verification of the accounts reporting accuracy. 
Respond within 30 days as required under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

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 explanation
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by 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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Chainlink Services LLC
State: MN

Complaint narrative:
A group called Chainlink Services LLC keeps contacting me about a debt with XXXX, but I believe it may be from a fake company. They've been using intimidating language with me ( claiming that " we'll have to report your non-response to our client and it won't look good for you '' among other things ), and calling me repeatedly from different numbers, such as XXXX, XXXX, XXXX, XXXX, and several others, often several times a day. They also did not give me any information about the debt in writing nor give me a chance to dispute it. 

At first, they seemed legitimate, so I gave them my information, but when I asked about their online portal so I could make payments online, they told me they don't have one and only operate over the phone. Now I'm scared I may have given my info to scammers, although no money has been taken out yet. I did pay them XXXX dollars through a credit card, but thus far no other money has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

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

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

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

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

Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: PA

Complaint narrative:
This is my final demand for the immediate removal of a fraudulent trade line that has been reported under my name and personal information without my authorization. This matter falls under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], which grants me the right to dispute inaccurate or unauthorized information on my credit report.

Pursuant to 15 U.S.C. 1681s-2, you are legally obligated to investigate and correct inaccurate or fraudulent information. I have previously disputed this fraudulent account, and you have failed to take corrective action. You are now in willful noncompliance with the FCRA, which carries statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n. Additionally, I reserve the right to seek punitive damages, attorneys fees, and court costs should legal action become necessary.

Final Demands : Immediately remove the fraudulent trade line from my credit report.

Provide written confirmation that the account has been deleted. 
Cease all reporting of this fraudulent account to credit bureaus ( Experian, XXXX, and TransUnion ). 
Provide documentation verifying how this account was opened in my name. 
Failure to comply within 15 days from the date of this letter will result in legal action against your company, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. Additionally, I will pursue civil remedies in federal court for your continued violation of my rights under the FCRA. 

This letter serves as formal notice, and I expect prompt compliance. If you require further information, I can be reached at the contact details provided above. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX say they need number XXXX  acct # XXXX amount {$910.00} XXXX XXXX XXXX acct XXXX XXXX amount {$660.00} XXXX XXXX XXXX  acct XXXX XXXX amount {$640.00} reporting same acct two different amount XXXX XXXX  acct # XXXX chargeoff XXXX origanal credit XXXX bal XXXX that what reporting on my credit jefferson capital reporting as a debt buyer never heard of them acct # XXXX amount {$670.00} jefferson capital acct # XXXX who are they or they license in sc send me a copy

Company response to consumer: Closed with explanation