vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Was signed up for overdraft on card, but don't want to be
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
I kept getting the runaround and talking to different people and then they switched me to somebody else to get the understanding what's going on still haven't really gotten to understanding and they keep passing me to the next person to the next person cuz they don't know what to do and I'm tired I'm getting charges every month I'm getting over like I owe them money and it's getting ridiculous

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 monetary relief
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank employees have gone rogue and unilaterally now declared its 2018 CFPB consent order relating to TILA and the CARD ACT totally void and unenforceable because the Naturalized Private Citizen XXXX XXXX had said he deleted the CFPB. Citbank also claims in writing South Dakotas laws now override all the federal laws it had to sign a consent order with the CFPB- as if South Dakota has seceded from the Union. Furthermore, Citibank also now believes that its legal settlement with the North Carolina Attorney General is wholly nullified because South Dakota is exempt from North Carolina Settlements because the entire XXXX Constitution- including the Full Faith and Credit Clause - is now void. 

Pursuant to the CARD Act and TILA - I have fully remediated all issues relating to my rate rises. There is no reason with an XXXX credit score I should have a XXXX % APR - unless of course Citibank simply saw the consent orders and settlements as merely a vehicle to bribe the government so theyd get off their backs- and they truly never had any intention of ever complying with any of the CFPB consent orders because of the illegal and unconstitutional 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 2025-04-30 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: FL

Complaint narrative:
i recently noticed some incorrect items on my credit report. This is hurting my ability to get credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXX XXXX XXXX MIDLAND CREDIT MANAGEM - XXXX XXXX XXXX MIDLAND CREDIT MANAGEM - XXXX XXXX XXXX MIDLAND CREDIT MANAGEM - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I was told by the company Lendmark that I would be 3 months late at the beginning of XXXX for my monthly loan. My monthly payment is {$290.00}. I have had some financial issues but did not want to be in default, therefore I called and paid them {$290.00} ( included fees of {$2.00} for payment over the phone ) on XX/XX/XXXX, and my husband submitted a check for the amount of {$290.00} to be processed earlier in the week. Both payments were successful. I was behind only one month. Not ideal, but I was getting back on track. Lendmark has always worked with me when I needed additional time and there was no reason for me to think this would be different, especially since they accepted the two payments. I do not answer Lendmark most times because they call while I am at work several times a day at times. At times they call my job after I have asked them not to. Other times they call to ask me if I want to take out another loan. I've had to block calls to keep my phone from ringing at work. I was set to make a third payment before the month of XXXX was out, but I did not make the payment because they sent my account to what they said was collections. The collections letter was mailed XX/XX/XXXX and stated that I was to make payments to Lendmark and I had until XX/XX/XXXX to dispute. This confused me because that's who I always make my payments to. I came home today XX/XX/XXXX to find that they have filed a claim in court. Unfortunately, I have had a loan with Lendmark since XXXX. The first loan was for {$5000.00} and I have taken out additional smaller loans that they wrapped into the original loan. I have never been 3 months late before in that time. I do not understand how I am being sued while still making payments and I am not 3 months late. I've paid roughly {$16000.00} in that time and have not borrowed close to that amount. Lendmark is still saying I owe them {$8400.00} which I will be done paying sometime in XXXX at {$290.00} per month. Lendmark is a loan shark company. Their high interest rate keeps you indebted to them for years long after principal money has been paid. This is because only a small percentage of your payment actually goes to the principal. I will get a record of my payment history and loans upon request. Lendmark is still calling me daily even though I am now being sued. I don't know whether to answer of not, especially if I'm still being sued while making payments. Lendmark needs to be stopped they are a predatory company. They are no different from the payday loan shops that engage in deceptive practices and exorbitant interest rates that are not explained well. They also are negating the arbitration clause in the loan application with this lawsuit. I hope that this does get the attention that it needs to stop others from falling victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have/had a auto loan with Capital One Auto Financing , on XXXX  the XXXX of XXXX at XXXX XXXX  and third party auto repossession company by the name of Auto Savers ( XXXX Patriot Hwy XXXX XXXX XXXX VA XXXX XXXX entered my property and removed a locked lock from my chained gate to gain illegal access to my property. Per Virginia Code 8.01-506 they vehicle was taken without a judgement or court order which is illegal, furthermore per Virginia Code 8.01-507.1 Capital One auto Fiance and their Third party company breached my peace by removing the locked lock on my chained gate. Months Prior to having my vehicle taken, I wrote Capital One Auto Fiance about Rescinding my Auto contract for Fraudulent Fianance Charges per 15 U.S.C. 1605 ( c ) in which they forced me to purchase my own separate insurance with the threat of losing contract approval, when it should been included in the Finance Charges with other discrepancies in the contract, i.e. Net Total trade-in value ( please see attachments, with no reply or acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I placed an order from a merchant known as " XXXX  '' using my Cashapp debit card. The order was supposed to be delivered to me within 3 to 4 business days of the date the order was placed. It has been almost 3 weeks, I have tried to get in contact with the merchant, the merchant has been unresponsive. I then reached out to Cashapp ( 4 times ) to perform a transaction reversal, Cashapp kept denying my request. 

I have provided my email attempt at contacting the merchant with no response. 
I have not received a tracking number from the merchant nor any notification of shipment delay. 
I have provided a screenshot from a link which shows " preparing shipment '' which has been the same since the day the order was placed. Almost 3 weeks later, the merchant is still " preparing shipment ''. 
Lastly, I included a screenshot showing what was ordered and the date it was ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
XX/XX/year> To Whom It May Concern at Equifax : This is a formal re-submission of my FCRA Section 605C human trafficking block request. 
I have already submitted the legally required certified victim determination, identification documents, and proof of address. 
As of today, I have filed a formal complaint with the Consumer Financial Protection Bureau regarding the mishandling of my request. 
My CFPB Complaint Number is : XXXX I request that Equifax immediately comply with 12 CFR 1022.142 by removing all adverse information related to my trafficking experience from my credit file.

Please process this request without further delay 2. Your complaint has been sent to the company. 
We have received your complaint and sent it to the company for a response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation XX/XX/XXXX, XXXX Today I receive, a notice from Equifax that they need the information I have sent them twice. However when I log onto my Equifax account, it says that my dispute has been resolved, and nothing will be done because they didnt receive my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed several charge-off accounts that are being re-aged and updated each month with no lawful basis. Experian conducted reinvestigations but left the derogatory data unchanged, violating FCRA 611 ( a ) ( 5 ) ( B ) and 623 ( a ) ( 1 ) ( A ).

No furnishers provided pre-charge-off notices, billing statements, or right-to-cure letters as required under 15 U.S.C. 1637 ( b ) and Reg Z. Experian continues to publish false status updates and balance information despite dispute.

These actions are willful, reckless, and violate federal law and Metro 2 standards. Experian was also sued in CFPB v. Experian Holdings , Inc., Case No. XXXX for similar misconduct. 

I demand immediate removal and reinvestigation of these accounts in compliance with FCRA and Metro 2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
RECENTLY I LOOKED AT COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE OCCURACY ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 2025-04-30 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Ongoing Inaccurate Reporting and Inadequate Reinvestigation FCRA Violations I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) in connection with a formal dispute I submitted on XX/XX/year>, regarding inaccurate and outdated accounts on my credit report. Despite providing a timely dispute and requesting the Method of Verification for accounts allegedly verified, Equifax has failed to provide proper documentation or an adequate response. 


XXXX  XXXX XXXX : XXXX ( Name Dispute ) XXXX ( XXXX ) XXXX ( Navy Federal CU ) XXXX ( Credit Card XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX  XXXX ) XXXX ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX ( The Bureaus ) Disputed and Still-Inaccurate Accounts : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Verified and Updated Navy Federal Credit Union Account XXXX XXXX XXXX XXXX and Updated Credit Card XXXX XXXX XXXX Account ending XXXX XXXX XXXX and Updated XXXX Account ending * XXXX Verified and Updated XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Verified and Updated XXXX XXXX Account ending * XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX and XXXX XXXX  FCU Account ending * XXXX Verified and Updated The Bureaus Account ending * XXXX Balance Updated Only FCRA Violations : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a Method of Verification upon request. 



Despite multiple updates to the fields such as historical data, payment history, and delinquency dates, Equifax has not provided any verifiable documentation or disclosure of how these items were verified. These actions raise serious doubts about the reliability and integrity of the reinvestigation process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
b'Subject: Fraudulent Account  Identity Theft Victim\n\nDetails of Complaint:\n\nHello,\nI am a victim of identity theft. My personal information was stolen and, as a result, a fraudulent account has appeared on my credit report. This account does not belong to me. I have never authorized, opened, registered, used, paid for, nor signed any contracts or documents related to this account.\n\nHere are the details of the fraudulent account:\n\nCreditor Name: XXXX XXXX\n\nAccount Number (partial): XXXX XXXX XXXX XXXX Opened: XXXXalance: XXXX\n\nI have taken the following steps:\n\nFiled an FTC Identity Theft Report.\n\nFTC Report Number: XXXXn\nFiled a Police Report regarding this crime.\n\nPolice Report Number: XXXX  (attached to this complaint)'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX  days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX I zelled {$170.00} to a phone number. The phone was incorrect and when I tried to cancel the transfer it would not let me. I tried contacting both the person I XXXX  the money to by mistake and Wells Fargo. The person did not reply and Wells Fargo said there was nothing they could do. Eventhough now theres a feature that lets you cancel a transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: VA

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

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

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

Company response to consumer: Closed with non-monetary relief