vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Bank ( XXXX ) Failed to provide a requested payment arrangement. My, at the time XXXX XXXX, XXXX failed to pay the {$80000.00} wages incurred. In good faith I made {$100.00} payment on or about XX/XX/year> which was a mere few dollars less than " payment amount due ''. XXXX canceled the credit card demanding outstanding payment in full. XXXX calendar days later XXXX " XXXX '' the entire remaining balance amount " {$870.00}. '' While XXXX sent deragory information to my credit report reporting " Charged-off '' balance due {$870.00}. This is the current status. I contacted XXXX XXXX XXXX, Account XXXX who informed me above info was correct according to XXXX and no XXXX was issued nor would be issued at any time inspite of this account being charged-off status. In fact, per XXXX I am still responsible for the {$870.00}. However, XXXX will permit me to call XXXX to reach a settlement agreement and pay same inspite of XXXX engaging in fraud and unfair and deceptive trade practices by charging-off the {$870.00}, writing same off as a loss, and then demanding I pay same back to XXXX who would be given a financial windfall of double dipping, i.e. writing same off as a loss and then, demanding same amount from me or damaging my 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 2025-04-25 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: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I'm currently a Navy Federal customer and I receive and live off of VA XXXX pay. I'm in the midst of debt settlement with NFCU through XX/XX/XXXX which Navy Federal admitted to being aware of. They took the remaining {$190.00} from my checking account and applied it to my credit card without my knowledge, let alone consent. I was under the impression that VA XXXX pay is protected under federal law and lenders aren't allowed to come after that specific money. Not only do I use this money to survive, but more importantly, my wife and daughter do too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 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 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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have not heard back from XXXX since XX/XX/year>25. It is now XX/XX/year>25. I submitted my FTC report showing that I have been the victim of identity theft and they have failed to correct my personal information. The following corrections need to be made immediately : Address : My correct address is XXXX XXXX XXXX, XXXX, AL, XXXX. 
DELETE THIS INCORRECT ADDRESS OF : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WI, XXXX Cell phone : DELETE THIS INCORRECT PHONE NUMBER OF : XXXX. I do not wish to give you my phone number at this time. 

Email : My correct email address is XXXX DELETE THIS INCORRECT EMAIL ADDRESS OF : XXXX DELETE THE FRAUDULENT BANK ACCOUNT INFORMATION YOU HAVE LISTED ENDING IN * XXXX AND * XXXX. These accounts do not and have never belonged to me. 

DELETE THE DRIVER 'S LICENSE YOU HAVE LISTED FOR ME. I AM A RESIDENT OF ALABAMA AND THE INFORMATION YOU HAVE LISTED IS INCORRECT. 

DELETE THE EMPLOYER NAME, NUMBER, PAY PERIOD, MONTHLY INCOME, AND EMPLOYER ADDRESS. I DO NOT WORK FOR XXXX XXXX XXXX AND EVERYTHING YOU HAVE LISTED FOR THEM IS INACCURATE. 

UPDATE THE CONSUMER STABILITY CHART AFTER YOU CORRECT MY CREDIT REPORT. 

DELETE XXXX XXXX OFF OF MY CREDIT REPORT. I HAVE NO IDEA WHO THAT IS ALONG WITH HER PHONE NUMBER OF XXXX. THIS INFORMATION IS INCORRECT. 

DELETE THE FOLLOWING INQUIRIES OFF OF MY CREDIT REPORT BECAUSE THEY ARE UNDER A FRAUDULENT NAME : XXXX XXXX  XXXX. XXXX XXXX IS A FRAUDULENT NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
About a year ago, I was denied credit because I am over the age of 65.

I had an over 750 credit score and I was employed and had a pension. 
The report to CFPB stated no reason for not granting credit. 
I received no reason for not granting credit which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$760.00} Open Date XX/XX/XXXX XXXXXXXX XXXX  XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$9400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$910.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$890.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$770.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$510.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$440.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$420.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$420.00} Open Date XX/XX/XXXX XXXX & XXXX XXXX Balance {$250.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX EXPERIAN XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/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 2025-04-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
Upon receiving a letter from the credit collection agency, I immediately called to discuss the alleged debt because I knew right away this was not something I had done. I do not bank with XXXX XXXX, and I have never been to a check cashing store. 

I followed up with a letter, which I also sent via email. In addition, I had a recorded conversation with the director, XXXX XXXX, during which he assured me that this would not appear on my credit report. There was a clear mismatchnot only with my Social Security number but also with my drivers license number, which the check cashing store had provided to themfurther proving that this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. Experian is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. ] These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. Experian is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. ] These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$60.00} Open Date XX/XX/XXXX XXXX Balance {$3500.00} Open Date XX/XX/XXXX XXXX  Balance {$2400.00} Open Date XX/XX/XXXX XXXX  Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$560.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$550.00} Open Date XX/XX/XXXX XXXX  Balance {$540.00} Open Date XX/XX/XXXX Inquiries XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/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 2025-04-25 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:
Subject : Demand for Immediate Action to Rectify and Rectify Misleading Details on My Credit File Following Suspected Acts of Fraudulent Behavior Dear Sir/Madam, I am formally addressing you in regard to the Unfair Credit Reporting Act ( UCRA ), particularly subsections 909 ( b ) ( 1 ), 611 ( b ) ( 1 ), and 623 ( b ) ( 1 ) ( B ), to demand immediate verification and deletion of erroneously reported late payment details on my credit history.

The accounts in question are as follows : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reported Late Payment Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. My account is showing a late payment for XXXX XXXX XXXX ; however, my account has been paid in full and closed out. I want this derogatory mark removed. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which requires credit reporting agencies to conduct reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against
Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 USC 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 USC 1681i ( a ) ( 1 ) ( A ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
I kindly request the immediate removal of this incorrect late payment from my account. My payment history has always been punctual, and this error is causing unnecessary concern. Please update my account accordingly.

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 2025-04-25 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I'm reaching because my card was used in XXXX XXXX XXXX XXXX I let the Bank know that theses were not my charges and in less than 24 hours they closed the claim. They denied the claim saying that it was " contradicting activity ''. There was no due diligence into the investigation of charges. There was no way my husband was usingnhis card in 3 states and in the same day. NFCU did not do a proper investigation and is not giving me information on the formalities of the investigation as it was only two days after I was denied a fraud claim I out in these purchases were unauthorized and two big purchases where made in states i don't even resides.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
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 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