vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
From XX/XX/XXXX XXXX XX/XX/2024 my debit card was compromised by someone who spent almost {$2000.00} over the course of multiple transactions. I called my bank immediately to report it and get a new debit card. I thought wells fargo would be able to reverse these charges to get my money back. They provided me with provisional credits and now 3 months later they denied my claim and are attempting to reverse all of those charges. This is very unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: Sensible Auto Lending, LLC
State: MA

Complaint narrative:
upon reviewing my consumer credit report, I discovered inaccurate late payment notations on the following account : Sensible auto I take my financial obligations seriously and have always made timely payments on this account. Under the Fair Credit Reporting Act ( FCRA ) 1681i, I have the right to dispute any inaccurate or incomplete information on my credit report and request a thorough investigation into these discrepancies. 

I formally request that you provide verifiable documentation, such as billing statements or payment records, proving the accuracy of these reported late payments. If you can not substantiate these claims with documented proof, I demand that these late payments be promptly removed or updated to reflect their accurate on-time status. 

Failure to correct inaccurate reporting may constitute a violation of the FCRA, and I am prepared to escalate this matter if necessary. Please update my report accordingly and provide written confirmation of the corrections. 

I appreciate your prompt attention to this matter and expect a response within the legally mandated 30-day period, as outlined in the FCRA. Should you require any additional information from me to facilitate this process, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX legal guardians who have full access to my account collecting XXXX different stimulus checks underneath my name that I've never seen the funds. Also dropped my credit score ( XXXX ) down a whole XXXX points XXXX. I never reported the issue because it was within the bloodline but now I'm reporting so I can't press charges see if there's anyway to receive my money and protect my account from credit fraud and my credit score from dropping again. I want the perpetrator behind bars where they belong. This isn't the first time it's happened and it's sneaky and disgusting. I've been homeless and far worse. And they need to meet consequences. They go back and forth everyday as comfortable and as slimy as can be and it makes me sick that I didn't do anything sooner. But I. Reporting in hopes that the perpetrator is brought to justice and put behind bars. For Good to prevent this situation from happening to me or anyone else. Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: TX

Complaint narrative:
Several accounts and cc on my Experian, Transunion and Equifax credit report have not been updated by Experian or the company. On my report it displays, NR for not reported. I am needing these updated urgently to reflect the accurate payment status and balance of account. The accounts are LEAD BANK, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$380.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$2500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am disputing a charge-off on my credit report from [ Landlord/XXXX Agency XXXX XXXX for XXXX apartment lease I co-signed for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apartment. 

I never resided in the apartment and requested to be removed from the lease, but my request was ignored. Now, I am being held responsible for a {$4700.00} balance that I do not owe. 

I contacted the landlord and the collection agency to dispute this debt, but they have been unresponsive. I have also disputed it with the credit bureaus, but they have not corrected the issue. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that my credit report accurately reflects my financial responsibility. This charge-off is negatively impacting my XXXX XXXX, and I am being unfairly penalized for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
In XX/XX/XXXX, I submitted an inquiry to the Federal Student Aid in regards to the Joint Consolidation Loan Separation Act ( JCLSA ). I received a confirmation email on XX/XX/XXXX. At the end of XX/XX/XXXX, my husband and I submitted an application to separate a joint consolidation loan and direct consolidation loan promissory note. We each received a letter of confirmation from XXXX ( the official server of federal student aid ) on XX/XX/XXXX. As of this day, this has been my only letter from XXXX. 
On XX/XX/XXXX, joint consolidation loan separation began. I have emailed XXXX periodically throughout XXXX, XXXX, and XXXX with predefined responses to my questions. I have called XXXX who said I have to call my loan provider ( Mohela ) for answers on my separation/forgiveness. I have called Mohela who said they did not receive anything from XXXX and I have to call XXXX XXXX XXXX. I have called XXXX XXXX XXXX who said they dont have any information and I need to call XXXX XXXX I have made XXXX inquiries to the XXXX XXXX about my situation and have only received a reply that they have my case number on file with the XXXX Ombudsman XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I am filing a report regarding what seems like a scam by National Credit Systems. A debt of {$54.00} was submitted to this agency in 2013. I have attempted to pay it several times now. Their representatives have given me false information regarding the payment of this debt. I have verified it is false information by calling XXXX directly. NCS agents have advised me NOT to make the payment, in fact they have refused altogether. I was told that if I paid the {$54.00} it would NEVER go off my credit report. This is false. They have asked for additional money $ XXXX {$5.00} to file a dispute on my behalf. This is not how a collection agency operates, which makes me believe there is something illegal going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a formal complaint against Transunion for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unverifiable information on my credit report. Despite my repeated disputes, they have not properly investigated or removed the incorrect account, violating my rights as a consumer. 
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Type : Collection Balance : {$280.00} Payment Status : Collection/Chargeoff Last Reported : ( Varies - discrepancy present ) Date Last Active : ( Varies - discrepancy present ) Violation : The credit bureau has failed to ensure the accuracy of the reported information and has refused to delete an unverifiable account as required under the FCRA. 
Failure to Comply : As per Section 1681e ( b ) and Section 1681i of the FCRA, credit bureaus are required to maintain accurate reporting and conduct a thorough dispute investigation within 30 days. The bureau in question has failed to uphold these obligations. 
Under Section 1681e ( b ) of the FCRA, the credit bureaus are required to ensure the accuracy of reported information. Since the discrepancies violate FCRA regulations, I demand that this account be deleted from my credit report, not merely updated. 
As per Section 1681i of the FCRA, there is an obligation to investigate and resolve disputes within 30 days. If this information can not be accurately verified, it must be removed from my credit file immediately. 
I have disputed this account multiple times and requested its complete deletion from my credit report due to inaccuracies and inconsistencies. However, they have yet to take appropriate action. Their failure to remove inaccurate data has negatively impacted my creditworthiness and financial well-being. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold this credit bureau accountable for their failure to comply with federal regulations. Enclosed are supporting documents, including copies of my dispute letters and credit reports, to substantiate my complaint. 
I appreciate your attention to this urgent matter and look forward to your response regarding corrective actions to be taken for their non-compliance. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts and and inaccurate personal information made or reported 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 accounts including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I challenge the validity of this debt and suspect Wells Fargo Home Mortgage of Securities Fraud, Mortgage Fraud, and therefor demand proof of claim Please provide a full chain of title showing who legally owns this debt? 
I request a Q.W.R a Qualified Written Request under R.E.S.P.A. ( Real Estate Settlement Procedures ) I have a right to request /demand proof of these under R.E.S.P.A. and Under The Truth and Lending Act ( T.I.L.A. ) Affiant also request the original note with wet ink signature The one I was sent before was not the original note R.E.S.P.A. requires lenders to disclose this information I also request a full chain of title to show who legally owns the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts and and inaccurate personal information made or reported 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 accounts including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each. 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 2025-03-09 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: VA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
XX/XX/XXXX I requested for several accounts to be removed and or updated. 

Acct. amount {$5500.00} incorrect Acct. amount {$24000.00} shows account was open XX/XX/XXXX but shows a payment history does not start until XX/XX/XXXX. 
Acct. {$1100.00} There are charge-offs accounts thats been paid but show monthly amounts are due. 

There are inaccurate payment histories being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. 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 has violated my rights . According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-03-09 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: OH

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX - XXXX, MN - XXXX ) reported a 30 day delinquency on my three credit reports for XX/XX/scrub> 2024. My XXXX payment was due on XX/XX/year>2024. The payment was made on XX/XX/year>2024 and proof is attached. I have never been late on this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have late payments on my account that are not accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have late payments on my account that are not accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
Permissible Purpose : 15 USC 1681b Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Despite my repeated efforts, supported by documentation, your entity has failed to take appropriate corrective action. Your continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand removal the fraudulent account. This situation has been worsened by the data security breach involving XXXX Data Breach ( Case No. XXXX ). I am requesting the fraudulent account to be dismissed from my credit file. The disputed item is : Fraudulent Transaction : XXXX XXXX. # XXXX. Opened XX/XX/year>2021 Your entity has continue to fail at conducting a timely and meaningful investigation, as mandated under 15 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized and linked to the XXXX data breach; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy, and you are in violations of the 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