vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: MA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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.

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 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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I reached out to XXXX  as I discovered my Transaction history on desktop and downloadable Transaction history both omit certain incoming payments received via my XXXX  debit card. 

I raised this issue with XXXX  customer support on XXXX XX/XX/year>XXXX  via phone ( through an also convoluted process to raise a Reg E Error complaint ) and we were either put on mute or hold and eventually disconnected. 
Customer support provided me an email confirming the absence of a single missing transaction from the account history. 

Regulation E 1005.11 ( a ) ( 1 ) ( iii ) stipulates that an " error '' means " The omission of an electronic fund transfer from a periodic statement ; '' 1005.3 ( b ) ( 1 ) Definition. The term electronic fund transfer means any transfer of funds that is initiated through an electronic terminal, telephone, computer, or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit a consumer 's account. The term includes, but is not limited to : ( iii ) Direct deposits or withdrawals of funds ; ( iv ) Transfers initiated by telephone ; and ( v ) Transfers resulting from debit card transactions, whether or not initiated through an electronic terminal.

As the agent acknowledged the error in the transaction history and periodic statement, under 1005.11 ( c ) ( 1 ) The institution shall correct the error within one business day after determining that an error occurred.

1005.11 ( d ) ( 1 ) ( 1 ) Written explanation. The institution 's report of the results of its investigation shall include a written explanation of the institution 's findings and shall note the consumer 's right to request the documents that the institution relied on in making its determination. Upon request, the institution shall promptly provide copies of the documents.

Commentary in Supplement I : 1. Request for documentation. When a consumer requests copies of documents, the financial institution must provide the copies in an understandable form.

Since reaching out to Customer support to state that the initial email did not sufficiently remedy my issue, XXXX followed up with a transaction document identical to what is available on their website, which not only does not meet the desired remedy, but also ignored the phone conversation and previous email conversation and response. 

My complaint is thus that I believe XXXX  to not only be in violation of Regulation E as it pertains to account statement documentation, but they insufficiently train their employees in how to handle and correctly Remedy Regulation E issues, and flagrantly disregard the customer 's request. I do not think my request is extraordinary or unreasonable, and at this point I'm irritated and would like some form of compensation for not only wasting my time but having to educate their support staff on my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TN

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-05-22 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally report that Wells Fargo Bank , N.A . accepted an IRS direct deposit into an account that does not belong to me, and did so despite the account holders name not matching the name associated with the deposit. 
On or around XXXX XXXX  the Internal Revenue Service ( IRS ) issued a direct deposit refund to my bank account. However, the funds were instead deposited into an incorrect Wells Fargo account that I do not own, and that is not affiliated with me in any way. 
I contacted Wells Fargo to report the error and request the return of funds. Despite the clear mismatch in account names and documentation from the IRS confirming the deposit was meant for me, the bank has not taken corrective action or provided adequate support to resolve the issue. Their decision to accept and keep the funds in an account under a different name raises serious concerns about their direct deposit controls and consumer protections. 
The IRS is currently conducting a payment trace, but I am left without the funds I am legally entitled to. I am seeking regulatory assistance to compel Wells Fargo to : Investigate and provide a full explanation of how this occurred, Attempt recovery of the misdirected funds, And put appropriate safeguards in place to prevent this from happening again. 
Attached are relevant documents, including : Confirmation from the IRS of the direct deposit, Correspondence with Wells Fargo, My identification and tax return details ( redacted as needed ). 
This situation has caused undue hardship, and I respectfully request that your office hold Wells Fargo accountable and assist in recovering the funds. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX 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 2025-05-22 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: Law Offices of Robert J. Colclough, III
State: NJ

Complaint narrative:
XXXX  is allowing companies ( XXXX XXXX XXXX XXXX XXXX ) to place false inaccurate information on my credit report without verifying anything. 
I asked XXXX  to provide me with proof or information of how the unknown account was " verified '' but they refused to do so. 
This violates my consumer rights and cause me financial harm through inaccurate reporting. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Since XXXX, Capital One sent me a letter stating that they would close my account in XXXX. I never received it, but after the date, {$6400.00} remained in the account. To this day, I received a check for that amount that remained in my account. We have called them several times and they only tell them that the account is under investigation and that they don't know how long it will take, but they have never asked me for any documentation. I don't understand. After that, on XX/XX/XXXX, a client made a mistake and sent {$26000.00} to that account. It is assumed that the account is closed or blocked. My client 's bank mistakenly requested a refund, and to this day, they have returned that money from my client, who is demanding his merchandise from me. This is affecting me a lot. They have a lot of money and they have not given me a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-05-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
XX/XX/year> - present Amount : {$2400.00} I will never be able to pay this off. It takes more than 50 % of my paycheck. 
I asked this company not to call my cell phone everyday. I asked if I could have the amount lowered due to high interest. I asked to put the payment on hold because I lost my job. I asked not to take the funds from my checking account. I asked if I could get a forgiveness/forbearance of this high interest loan. XXXX  would not do anything I requested. 
I went to see a doctor due to stress and other personal medical issues due to not having any funds for medication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MO

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-05-22 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-22 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax continues to report incorrect information and fraudulent information on my report after several investigations. I have submitted supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
I have been mailing dispute letters approximately every 40 days for the past five months. I asked the creditors to verify the debt on my credit profile each time. I asked for the original purchase agreement and an assignment contract between the original creditor and the third-party debt collector. I also asked for a 1099-C Form if the account was charged off. I am entitled to request these documents under the Fair Credit Reporting Act. The creditors and third-party debt collectors have refused to provide me with this information. The only thing they are doing is sending me old billing statements. An old billing statements is not sufficient evidence to verify any debts on my credit report. This has been going on for months now. Just old billing statements every month, this is not sufficient evidence under 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 non-monetary relief
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
I have been mailing dispute letters approximately every 40 days for the past five months. I asked the creditors to verify the debt on my credit profile each time. I asked for the original purchase agreement and an assignment contract between the original creditor and the third-party debt collector. I also asked for a 1099-C Form if the account was charged off. I am entitled to request these documents under the Fair Credit Reporting Act. The creditors and third-party debt collectors have refused to provide me with this information. The only thing they are doing is sending me old billing statements. An old billing statements is not sufficient evidence to verify any debts on my credit report. This has been going on for months now. Just old billing statements every month, this is not sufficient evidence under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
Experian XXXXXXXX XXXX XXXX XXXXXXXX charge off written off I have repeatedly requested information and Credit first either does not have it or refuse to produce it { WHICH IS A VIOLATION OF THE LAW } make this account identity theft and fraud. I filed identity theft report with FTC enclose because XXXX XXXX did not produce the information I want. I do not to see verified or validated that neither with out the requested information remove this account, You may want to contact your fraud dept on this because if I have to I will file a court case and XXXX XXXX XXXX and Experian for damages I have all documents from XXXX XXXXt and CFPB FTC you to file a law suit in court respond to CFPB on this matter for my records for court

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im seriously frustrated after checking my credit report today and seeing an unauthorized inquiry that shouldnt be there. I double-checked by refreshing the page, hoping it was a glitch, but the issue didnt go away. I need this matter looked into right away, and I expect a thorough review of the documents I provided to ensure this doesnt happen 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 non-monetary relief
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I HAVE FILED A POLICE REPORT AGAINST THOSE WHO HAVE STOLEN MY IDENTITY. I AM NOW LEFT WITH A RUINED CREDIT PROFILE BECAUSE OF THOSE FRAUDULENT ACCOUNTS AND ADDRESSES. PLEASE HELP ME REMOVE AND BLOCK EVERYTHING THAT I HAVE REPORTED TO YOU BECAUSE IT REALLY IS HURTING ME. I HAVE ATTACHED EVERYTHING YOU GUYS NEED HERE IN MY UPLAOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
Please help me, I have attached supporting correspondence

Company response to consumer: Closed with explanation