vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Reason stated by company is unacceptable and non-compliant. This is a definite case of AGE DISCRIMINATION! My credit is EXCELLENT ( XXXX ) and balance on other cards extremely low. No history of late payments ever! Unjust and Unfair treatment!

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 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
Debt Collection company has been harassing me and filing frivolous claims in civil court trying garnish wages on a debt that's been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: Servicing Solutions, LLC
State: GA

Complaint narrative:
In XX/XX/2022 I received a business credit card through XXXX. I was assured this is a business card and would only report on my personal credit profile if I defaulted on the loan. I have never been late with my payments but XXXX decided to close all accounts for this specific credit card. Not just mine and not because I was in default. A collection agency bought the debt and has decided to place the account on my personal credit although I still have not been late. I called and requested they remove the account bc it is hurting my personal credit score and they refuse stating they are going to report on my credit. This card has never reported to my personal account until they bought the account. They are not honoring the agreement between XXXX and myself. 

The credit bureaus claimed to have investigated but no one has provided me any details other than stating it will continue to be on my report. 

The burden of proof is on them but they can not provide any info bc it would not view them in a positive light.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received an incentive payment from my solar company and I wanted to apply the money to my loan, making a principal-only payment toward my loan. The date of the payment was made before the first payment was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: MD

Complaint narrative:
I am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts and inquiries that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. 
Below is the list of fraudulent accounts : 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 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/XXXX, I was contacted by an individual falsely claiming to be a Chime representative. The impersonator used a phone number that appeared to be associated with Chime, misleading me into believing that they were a legitimate agent. Under false pretenses, I was coerced into providing information or taking actions that resulted in the unauthorized transfer of funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting a follow-up complaint regarding an unresolved dispute with TransUnion related to inaccurate credit reporting by XXXX XXXX XXXX XXXX 

Despite a previous dispute through the CFPB, TransUnion has failed to provide the results of their reinvestigation within the 60 calendar days they promised. This violates the FCRA ( 15 U.S.C. 1681i ), which requires reinvestigation and written results within 3045 days. 

The account in question is originally from XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) and was opened in XXXX. It was charged off and closed around XXXX, after being sold and resold by multiple debt buyers. It is now more than seven years old, time-barred from reporting under the FCRA. 

XXXX XXXX XXXX is falsely reporting an Opened Date of XX/XX/XXXX, which constitutes illegal re-aging of the debt. XXXX Bank no longer lists this account under my name and has no record of the debt. Additionally, XXXX only sent written communication after I filed disputes through the credit bureaus and the CFPB, which is when they obtained my current address. They never contacted me before furnishing information to the credit bureaus. This violates the FDCPA ( 15 U.S.C. 1692g ( a ) ), which requires written notice within five days of the initial attempt to collect.

They also failed to provide : A proper validation of the debt ; Proof of ownership or assignment ; A valid chain of title from XXXXXXXX XXXX 

XXXX appears to be relying on a default judgment in XXXX XXXX. XXXX, but they are not listed as the plaintiff or creditor, and I was never properly served. The public court docket shows Not Found/Unserved, violating my due process rights. 

XXXX and XXXX have both removed this same account from my credit file. Only TransUnion continues to report it, despite having no evidence that the debt is valid, collectible, or reportable. 

Additional Note : I have also sent a letter to the courthouse regarding XXXX XXXX. XXXX to formally dispute the legitimacy of the judgment due to improper service.

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 2025-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am reaching out to dispute inaccuracies in my credit report that are negatively impacting my financial standing. After carefully reviewing my file, I discovered accounts and inquiries that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that is inaccurate, unverifiable, or outdated, and I take this matter seriously. 
Below is the list of fraudulent accounts : 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 2025-03-23 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: NC

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 2025-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have not given TransUnion permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

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 2025-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
An account was opened under my name in XXXX of XXXX for XXXX XXXX. I have no knowledge of this account, and there is no way it could belong to me. I disputed this account and it was temporarily removed from my credit, however it was replaced by a debt collector under the name of Credence Resource Management in the amount of XXXX XXXX This collection account shows as being opened XX/XX/XXXX. I disputed this collection account with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
someone else made a purchase using my card but wells fargo so i set up a claim to get my money back but wells fargo declined it even though i was telling the complete and whole truth

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 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to formally dispute the alleged debt that has been reported by Resurgent/LVNV Funding. In accordance with 15 U.S.C. 1692g, I am requesting full validation of this debt, including : Proof of ownership and legal right to collect the debt.

A copy of the original signed agreement or contract proving my obligation.

A detailed accounting of the amount claimed, including all fees and interest.

Verification of chain of title, showing how this debt was transferred.

Additionally, under 15 U.S.C. 1692c ( c ), I am invoking my right to request that you cease all communication with me regarding this alleged debt, except as required by law. Any further attempts to collect a debt that has not been properly validated may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ). If you fail to provide sufficient validation, I expect this account to be removed from my credit report immediately. I will be monitoring my credit profile to ensure compliance. Please confirm receipt of this dispute in writing. Failure to comply
with these requests may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting a formal complaint against COMENITY CAPITAL BANK regarding inaccurate information reported on my credit file. The details in question have not been properly verified, substantiated, or documented as accurate and compliant. 

I have identified disputed entries on my credit report, and as a consumer, I am entitled to request the timely correction and update of this accounts status under my federal and state consumer protection rights. This complaint is being filed to ensure the reported information complies with the procedures outlined in XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX : {$11000.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
Subject : Dispute of Debt and Request for Documentation Pursuant to the FCRA Dear Spring Oaks Capital LLC, I am writing to formally dispute the validity of the alleged debt you have reported to the credit bureaus under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I request that you provide specific documentation to substantiate your claim, including but not limited to : 1. Forward Flow Agreement Documentation proving the contractual agreement under which this alleged debt was assigned or sold.

2. Securitization Details Any and all evidence that this alleged debt has been securitized, bundled, or transferred into any form of asset-backed security.

3. Master Purchase Agreement The agreement that details the purchase and transfer of the alleged debt, including all relevant terms and conditions.

Under the FCRA, information reported to credit bureaus must be accurate, verifiable, and substantiated. If you can not provide the requested documentation proving ownership, assignment, and chain of title, I request that you immediately cease collection efforts and remove any negative reporting related to this account from my credit file.

Please consider this letter as my formal dispute. If you fail to provide adequate documentation within the legally required timeframe, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

I expect a response within 30 days, per FCRA requirements. Please direct all future correspondence regarding this matter to me in writing at the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I contacted Ally Bank and told them that I was laid off and asked if they had any payment assistance programs and was told I needed to go into default to get help. I contacted them on XX/XX/XXXX to get help. I also contacted XXXXXXXX XXXX XXXX issued by XXXXXXXX XXXX XXXX XXXXXXXX for help on XX/XX/year> and they also told me that they have no payment assistance programs for those who are unemployed. So my question is why don't these financial institutions have any help for their customers? They rip people off with 35 % interest and they don't even seem to care about people anymore.

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 2025-03-23 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: TX

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 2025-03-23 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:
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 non-monetary relief
Consumer complaint received 2025-03-23 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: National Credit Adjusters, LLC
State: MS

Complaint narrative:
To XXXX/CFPB : NCA is reporting unauthorized accounts on my XXXX, XXXX, XXXX XXXX reports XXXX I never signed a contract or spoke with them. Request immediate investigation and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions.

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXX XXXXXXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally dispute the unauthorized hard inquiries listed on my credit report, dated XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries, and their presence violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which mandates that consumer reporting agencies only report information with the consumers consent.

Furthermore, I have identified inaccuracies in my payment history, which contravene the FCRAs requirement for accurate reporting. As per 15 U.S.C. 1681i ( a ), you are obligated to investigate and correct or delete any information that can not be verified as accurate. 

Given the recent settlement between the Consumer Financial Protection Bureau ( CFPB ) and XXXX concerning inaccuracies in credit reporting, I am particularly concerned about the integrity of my credit information.

I demand that you : 1. Remove the unauthorized inquiries dated XX/XX/XXXX and XX/XX/XXXX from my credit report. 
2. Correct any inaccuracies in my payment history to reflect accurate information.

3. Provide written confirmation of these corrections within five ( 5 ) days of receiving this letter. 

Failure to comply within this timeframe will compel me to pursue legal action to seek damages resulting from the denial of credit opportunities, including credit cards and loans, due to these inaccuracies. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal remedies available under the FCRA. 

Please treat this matter with the urgency it warrants and confirm receipt of this dispute. You may contact me via mail or email should you require further information. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report Highlighting Disputed Items Supporting Documentation for Payment History Accuracy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation