vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The XX/XX/XXXX I make a wire transfer with my bank mobile app for {$13000.00} US dollars to my brother in law in XXXX XXXX with confirmation # XXXX to be delivery at XX/XX/XXXX. The XX/XX/XXXX I opened my first claim because the money was not credited to my beneficiary, when I contact to Wells Fargo they mentioned the money will be credited by XX/XX/XXXX. In XX/XX/XXXX I opened another claim because the money was not credited like they mentioned me, so I opened another claim requested my money back to my account, I contacted Wells Fargo 10 days later and they requested me 30 days to this kind of claim. I opened another claim because supposedly Wells Fargo contacted XXXX to request the money back and XXXX has not responded. Finally I contacted Well Fargo at XX/XX/XXXX at XXXX XXXX PCT and they mentioned that XXXX credited the money was credited to the beneficiary 's account on XX/XX/XXXX. We opened a claim in XXXX against XXXX with XXXXXXXX XXXX XXXX in XX/XX/XXXX and XXXX provided me with documents that prove that there is NO TRANSFER with the confirmation # XXXX provided by Wells Fargo XXXX 
XXXX is asking me for documents that prove the communication between Wells Fargo because they mention that any communication between them as mentioned by Wells Fargo is FALSE.

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 2025-02-17 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: NJ

Complaint narrative:
Upon reviewing my credit report, I discovered accounts that I have no affiliation with. These accounts were not opened by me, yet they are being reported under my name, which is completely inaccurate. I need to understand how this happened and why these accounts are on my 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've been unable to obtain a credit score from Experian- they have deemed me unscoreable. This makes no sense as XXXX and XXXX both have given me scores and my credit history is XXXX XXXX XXXX. 

I've tried calling them numerous times over months. Every single one of their customer service numbers features a chatbot that will never route you to a live agent. There is no option that addresses my issue. 

This is hugely consequential as many companies XXXX XXXX, XXXX, etc. ) only use Experian for credit reports. Being unable to get a score limits my options significantly. 

I don't know why Experian won't give me a score like XXXX and XXXX have or maintain a customer service line that can help individuals resolves issues.

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 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MO

Complaint narrative:
Historically, I have any issues with this credit card when making payments. Often times I will make a payment however their system will not register said payment and they will then try to hit me with a late fee despite me paying. If you were to view my payment history, often times I pay over what I'm supposed to do for the month and make multiple payments throughout the month. 

Most recently, I was notified that I missed a payment. I contacted them immediately as I was extremely ill due to complications with XXXXXXXX XXXX  Despite offering to pay my bill immediately and get squared away, the company refused to work with me at all on late fees due to them having to fix their mistake they had made multiple times previously. 
I have always been on top of this bill and have been a great customer. Prior to filing this complaint, I did research where I found that multiple individuals have been a victim of placing their payments, but discover not taking them and then sending them a bill stating that they are late. 
They have been doing illegal billing tactics by not taking their payments then charging late fees to gather more money from customers. 
I have made over {$6000.00} in payments over the last 12 months and have been diligent in making Sure they are paid. They have left one late fees payment on from their website glitch from XX/XX/XXXX and then the most recent from the XXXX of this month knowing they have been having issues with their website collecting payments. 

The XX/XX/XXXX payment I called in and they told me they would reverse that charge because I was notified the following day and made a payment immediately. They still left it on my account. 

My payments are over {$2000.00} more than my transactions and I started the year out with a lower balance then I am at now but yet it's still reflects that I have a significantly higher balance despite paying over {$2000.00} more than I even spent on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I am filing a formal complaint against [ Credit Bureau Name ] for failing to remove the following accounts from my credit report, despite my prior request over 30 days ago : XXXX XXXX ( Account # : XXXX ) This account was paid satisfactorily and was agreed upon to be deleted after payment. 
XXXX XXXX  ( Account # : XXXX ) This account was paid satisfactorily and has exceeded the 7-year reporting limit.

I have received correspondence from your organization stating that my dispute request will not be honored because you believe it was sent by a third party, such as a credit repair company. I can assure you that I, XXXX XXXX, personally submitted this request, along with proper proof of identification. 

I would like an explanation as to why I received a stall letter instead of having my disputes properly investigated and corrected. I have provided detailed dispute reasons supported by factual information from my credit report with your bureau. 

If you continue to assert that these accounts are accurate, I demand that you provide all documentation used in your investigation, as required by law. Additionally, I have attached : The original dispute letter I sent directly to your company, date- and time-stamped. 
The response from the creditors confirming removal of these accounts. 
Please address this matter promptly and in full compliance with the Fair Credit Reporting Act ( FCRA ). Failure to do so will leave me no choice but to escalate this complaint further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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 filing a formal complaint against [ Credit Bureau Name ] for failing to remove the following accounts from my credit report, despite my prior request over 30 days ago : XXXX XXXX ( Account # : XXXX ) This account was paid satisfactorily and was agreed upon to be deleted after payment. 
XXXX XXXX  ( Account # : XXXX ) This account was paid satisfactorily and has exceeded the 7-year reporting limit.

I have received correspondence from your organization stating that my dispute request will not be honored because you believe it was sent by a third party, such as a credit repair company. I can assure you that I, XXXX XXXX, personally submitted this request, along with proper proof of identification. 

I would like an explanation as to why I received a stall letter instead of having my disputes properly investigated and corrected. I have provided detailed dispute reasons supported by factual information from my credit report with your bureau. 

If you continue to assert that these accounts are accurate, I demand that you provide all documentation used in your investigation, as required by law. Additionally, I have attached : The original dispute letter I sent directly to your company, date- and time-stamped. 
The response from the creditors confirming removal of these accounts. 
Please address this matter promptly and in full compliance with the Fair Credit Reporting Act ( FCRA ). Failure to do so will leave me no choice but to escalate this complaint further.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
[ Your Name ] XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX Subject : Dispute of Incorrect Credit Reporting and Request for Removal of Charge-Offs To Whom It May Concern : I am writing to formally dispute the inaccurate reporting of charge-offs on my credit report associated with my account [ Account Number ] with your institution. These charge-offs are being reported with an outstanding balance, which is incorrect and misleading.

In XXXX, your institution issued a Form 1099-C for the cancellation of this debt, indicating that the debt was discharged. Specifically, Box 6 of the Form 1099-C was marked with Identifiable Event Code " G. '' According to the IRS Instructions for Forms 1099-A and 1099-C, this code signifies " a discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' XXXX The issuance of this form and the selection of Code " G '' clearly indicate that the debt has been canceled, and as such, there should be no remaining balance reported. Continuing to report this debt with an outstanding balance is not only inaccurate but also adversely affects my creditworthiness. 

I respectfully request that you : Immediately remove the erroneous charge-offs from my credit report. 
Cease reporting any balance associated with this canceled debt to all credit reporting agencies. 
Provide written confirmation of these actions for my records. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I expect your prompt attention to this matter to correct the inaccuracies in my credit report. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-17 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
This is the second attempt for a debt sold by XXXX XXXX XXXX that was written off by XXXX XXXX XXXX. I was told that it was covered by XXXX because the item was never delivered. This is my second time being contacted about {$3000.00} that is owed to XXXX XXXX XXXX however I currently have an account with XXXX XXXX XXXX that is in perfect standings, so Im wondering I would have an account with that is Trying to collect a {$3000.00} debt. I do not owe anything to this company and would like to report this is fraud. I also would like to be reimbursed for my time as well as suffering. I will expect not to see anything on my credit report pertaining to this information as this may hurt my consumer report which may disqualify me from living the life that I am accustomed to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
When I open XXXX XXXX it shows I have XXXX Credit Cards Open and I only Opened XXXX myself. XXXX XXXX Synchrony Car Care Credit Card is not a Credit Card I signed up for at all.

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 2025-02-18 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:
I am submitting this formal request for the immediate removal of inaccurate and misleading information regarding my student loan account ( Account Number : XXXX ), which was transferred from XXXX. The errors on my account violate the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Higher Education Act ( HEA ) and must be removed immediately. FALSE LATE PAYMENT ( XX/XX/year> ) My loan was deferred with XXXX my payments were not due until XX/XX/year>. 
Despite this, my credit report reflects a 90-day late payment in XX/XX/year>. 
This is a clear violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ), which prohibits reporting false information. I demand the immediate removal of this inaccurate delinquency from all credit bureaus. My original loan balance was {$1300.00}, yet my credit report reflects a balance of {$2000.00} with no valid explanation. Under XXXX  ( 20 U.S.C. 1082 ), you are legally required to provide a clear and accurate breakdown of loan balances. 


XXXX. REMOVE OR CORRECT STATUS REPORTING ERRORS My account is listed as 0 % paid off while still showing a balance, which is misleading and harmful to my credit profile. 

I demand an immediate removal my rights were violate. FERPA ( 20 U.S.C. 1232g ) Requires servicers to properly notify borrowers of loan transfers and protect student data. I was never notified that my loan was transferred. 
FCRA ( 15 U.S.C. 1681s-2 ( a ) ) Prohibits loan servicers from reporting false or misleading information to credit bureaus.

HEA ( 20 U.S.C. 1082 ) Requires proper loan servicing, disclosure of accurate balances, and correct borrower records. I formally request that XXXX remove the following from my credit report immediately : If these errors are not removed within 30 days, as required by federal law, I will escalate this matter by filing complaints with : U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC ) State Attorney Generals Office Furthermore, I will explore legal action for the financial harm caused by these errors.

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 2025-02-18 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: NC

Complaint narrative:
I am submitting this formal request for the immediate removal of inaccurate and misleading information regarding my student loan account ( Account Number : XXXX ), which was transferred from XXXX. The errors on my account violate the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Higher Education Act ( HEA ) and must be removed immediately. FALSE LATE PAYMENT ( XX/XX/year> ) My loan was deferred with XXXX my payments were not due until XX/XX/year>. 
Despite this, my credit report reflects a 90-day late payment in XX/XX/year>. 
This is a clear violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ), which prohibits reporting false information. I demand the immediate removal of this inaccurate delinquency from all credit bureaus. My original loan balance was {$1300.00}, yet my credit report reflects a balance of {$2000.00} with no valid explanation. Under HEA ( 20 U.S.C. 1082 ), you are legally required to provide a clear and accurate breakdown of loan balances. 


XXXX. REMOVE OR CORRECT STATUS REPORTING ERRORS My account is listed as 0 % paid off while still showing a balance, which is misleading and harmful to my credit profile. 

I demand an immediate removal my rights were violate. FERPA ( 20 U.S.C. 1232g ) Requires servicers to properly notify borrowers of loan transfers and protect student data. I was never notified that my loan was transferred.

FCRA ( 15 U.S.C. 1681s-2 ( a ) ) Prohibits loan servicers from reporting false or misleading information to credit bureaus.

HEA ( 20 U.S.C. 1082 ) Requires proper loan servicing, disclosure of accurate balances, and correct borrower records. I formally request that XXXX remove the following from my credit report immediately : If these errors are not removed within 30 days, as required by federal law, I will escalate this matter by filing complaints with : U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC ) State Attorney Generals Office Furthermore, I will explore legal action for the financial harm caused by these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: NC

Complaint narrative:
I am submitting this formal request for the immediate removal of inaccurate and misleading information regarding my student loan account ( Account Number : XXXX ), which was transferred from XXXX. The errors on my account violate the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Higher Education Act ( HEA ) and must be removed immediately. FALSE LATE PAYMENT ( XX/XX/2022 ) My loan was deferred with XXXX my payments were not due until XX/XX/2032. 
Despite this, my credit report reflects a 90-day late payment in XX/XX/2022. 
This is a clear violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ), which prohibits reporting false information. I demand the immediate removal of this inaccurate delinquency from all credit bureaus. My original loan balance was {$1300.00}, yet my credit report reflects a balance of {$2000.00} with no valid explanation. Under HEA ( 20 U.S.C. 1082 ), you are legally required to provide a clear and accurate breakdown of loan balances.

3. REMOVE OR CORRECT STATUS REPORTING ERRORS My account is listed as 0 % paid off while still showing a balance, which is misleading and harmful to my credit profile.

I demand an immediate removal my rights were violate. FERPA ( 20 U.S.C. 1232g ) Requires servicers to properly notify borrowers of loan transfers and protect student data. I was never notified that my loan was transferred.

FCRA ( 15 U.S.C. 1681s-2 ( a ) ) Prohibits loan servicers from reporting false or misleading information to credit bureaus.

HEA ( 20 U.S.C. 1082 ) Requires proper loan servicing, disclosure of accurate balances, and correct borrower records. I formally request that XXXX remove the following from my credit report immediately : If these errors are not removed within 30 days, as required by federal law, I will escalate this matter by filing complaints with : U.S. Department of Education XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC ) State Attorney Generals Office Furthermore, I will explore legal action for the financial harm caused by these errors.

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