vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: IN

Complaint narrative:
I am filing a complaint against the following credit reporting agencies : Experian Information Solutions XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I have experienced numerous inaccuracies and failures in reporting on my credit file, which have caused significant harm to my XXXX XXXX and financial well-being. 

Dates and Events : Current FICO Score : XXXX  Erroneous Entries : XXXX  collection accounts totaling {$7200.00} in derogatory debt reported inaccurately.

XXXX  accounts falsely reported as late, despite prior disputes and supporting evidence.

Incorrect credit utilization of XXXX  %, which negatively impacted my credit score. 
XXXX  debt reported at {$27000.00}, leading to a total balance of {$51000.00}. 
Specific Issues : Misreporting of Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and others inaccurately marked as late or having negative impacts on my credit. 

Several accounts inaccurately marked as potentially negative or derogatory, including XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to name a few. 

Collection Accounts : Multiple accounts with collection agencies, such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and others, reporting inaccurate or misleading data. 

Inquiries : Inaccurate and untimely removal of credit inquiries, such as XXXX and XXXX, which do not align with the removal date or continue to impact my score unjustifiably. 

Actions Taken : I submitted multiple disputes to the credit reporting agencies, presenting evidence to challenge the inaccuracies. 

Despite these efforts, the errors remain uncorrected, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including the failure to conduct reasonable reinvestigations, report accurate information, and comply with statutory timelines for dispute resolution. 

As a result of these errors and violations, I have suffered tangible harm, including credit denials, increased borrowing costs, and undue emotional distress. I am requesting immediate corrective action from the credit bureaus to address these issues, including the removal of inaccurate information, a proper reinvestigation of all disputed items, and compensation for the harm caused.

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 2025-02-28 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: IL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy federal wasnt depositing my XXXX transactions as the money was sent to my account. This caused navy federal to chatter an overdraft fee for money I had available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
Dear Transunion, Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been a Wells Fargo credit card customer for well over a decade and have never had a delinquencynot just with Wells Fargo, but across all my financial accounts. Despite my long-standing history of responsible borrowing and on-time payments, I was informed by a senior representative in the credit card complaint department that Wells Fargo does not review interest rates, even for customers in good standing.

I asked if Wells Fargo had a retention specialist or any department that could review my account for an interest rate reduction. The representative said no, and when I pressed further, they directly stated, " I know it XXXX  '' I was shocked that a major financial institution like Wells Fargo would refuse even to consider a rate review, especially when many competitors provide flexibility for responsible borrowers. I was not demanding a guaranteed lower rate but merely asking for a fair review of my account, given that my current rates are 21 % and 28 % APR. 

It seems fundamentally unfair that a customer with a flawless payment record for more than a decade is given no avenue for consideration, while new customers often receive promotional rates. This practice feels predatory and discourages responsible financial behavior.

I would appreciate the CFPB reviewing this matter, as it seems Wells Fargos policies are designed to penalize loyal, responsible customers rather than reward them.

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 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am concerned about Zelles handling of disputes with CFPB giving light to major issues with the platform. I have used Zelle on many occasions and have reported disputes and discrepancies however Zelle and my bank told me they would not investigate and thats there is nothing they could do about it. I was told once the payment is sent they can not retrieve my funds. CFPBs lawsuit has unveiled that Zelle neglected to protect customers and allowed scammers to continuously exploit the system leaving me vulnerable to scams as a user. This is lack of customer safety and makes me vulnerable to being scammed and it is not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: WA

Complaint narrative:
I am writing to formally dispute incorrect information currently listed on my credit report. Upon reviewing my credit file, I found that certain details are inaccurate, and this erroneous information is severely impacting my credit score. I demand immediate action to correct these inaccuracies and ensure that my report reflects only accurate, verified data.

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 2025-02-28 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: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I submitted a request for deferment based on economic hardship, under the impression that my current enrollment status was not relevant. My initial application was denied due to my income exceeding the allowable limit for economic hardship deferment. Subsequently, I realized that I could apply for deferment specifically because I am still a student. I promptly faxed a new request for in-school deferment, accompanied by the necessary enrollment verification. However, the following day, I received a notification that my new deferment request was also denied due to my income level, without any consideration given to the fact that I was applying for a different category of deferment. Additionally, it has been exceedingly challenging to contact Mohela to discuss these matters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
After reviewing my credit report file with XXXX, I am disputing lines items reported by Midland Credit Management XXXX As part of debt validation pursuant to 15 U.S.C . 1692g, I am requesting the following to determine accuracy and completeness of the data furnished : 1. Full payment history details from the original creditor 2. Date of last payment 3. Date of delinquency 4. The original wet signature that I agreed to on the contract for this creditor 5. Has there been any insurance claim found on this debt? 
6. Provide the chain of assignment contract / chain of title In addition, I request an affidavit of truth under penalty of perjury for each reporting. 

Since Midland Credit Management XXXX can not provide the chain of assignment contract, I respectfully request these items be deleted from my consumer file as it is a mis-representation of my financial obligations and violates consumer rights. Furthermore, self-initiated research revealed Midland Credit Management XXXX is not authorized to collect for my state ( XXXX XXXX XXXX ). Midland Credit Management XXXX does not have authority to collect nor ownership of the alleged debt ( s ). 

Also, I have not provided Midland Credit Management XXXX my written consent to furnish data 15 U.S.C. 1681b - this is identity theft which has been reported. I urge the CFPB to uphold my consumer rights and instruct Midland Credit Management XXXX to delete the item within 5 business days. Should Midland Credit Management XXXX fail to comply in a timely manner as stipulated, they should be subject to fines & penalties by the CFPB for willful non-compliance with the FCRA and undermining the U.S. banking system 15 U.S.C. 1681 ( a ) ( 1 ). 

Case law - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; Debt collectors do not own debts and can not put it on your consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
Square Inc.- I contacted this company on XX/XX/XXXX to report fraudulent transactions that from various companies that began on XX/XX/XXXX. I disputed all of the transactions directly with Square Inc. ; the total amount of unauthorized transactions totaled {$25000.00}. Square Inc. refunded my account {$5700.00} on XX/XX/XXXX and stated the payment was a " courtesy '' ; they also stated they would not return the remaining {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-02-28 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: GA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 2025-02-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My account was hacked ACH withdraw from XXXX XXXX never herd of them called 5/3 they said I waited to long and would not refund my money. This is after they put a hold on my account there were other withdraws that they refunded.The XXXX was the first one that was 2 days before all of the other withdraws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

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