vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX Account Number : XXXX Balance : {$29000.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. The account listed under " XXXX XXXX '' and numbered " 0418 '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. Please confirm in writing the results of yo
ur investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: OR

Complaint narrative:
I went to pay my student loans on XX/XX/XXXX and XX/XX/XXXX in the amount of {$150.00} via the link provided in my emails from EdFinancial. Every time I pay, I get a confirmation email, but then my payment is reversed on the student loan site without informing me. I spoke to several XXXX XXXX reps who said they have no record of EdFinancial ever requesting money. I tried to make a payment today XX/XX/XXXX for now a much larger amount of {$210.00} and called my bank to verify, they said that they see no pending request. I call EdFinancial yet another time and they said that there's nothing they can do further. My banking info has been reset multiple times and I've also tried to pay over the phone with a representative. I'm on an IDR plan because I can't afford much, and now interest is accruing on loans I've been trying to pay. Any help is appreciated, because I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-17 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-17 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: U.S. BANCORP
State: NV

Complaint narrative:
I am disputing a charge-off account being reported by Elan Financial Services on my personal credit report. This account was used strictly for a business startup and should not have been reported as a personal liability.

I sent a formal dispute and requested verification under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), including documentation proving I personally guaranteed the debt. Elan financial services failed to provide any verification or supporting documents and refused to properly investigate my dispute.

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 2025-04-17 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: StellarFinance, Inc.
State: TX

Complaint narrative:
This is a follow-up to Complaint # XXXX, submitted in XX/XX/year>, regarding an unverified account from Stellar Finance that is still being reported on my credit file.

In their response, Stellar Finance claimed to have sent correspondence directly to me, but I never received any such communication. This is precisely why I previously requested that all correspondence be conducted exclusively through the CFPB portal. Despite my clear request and a formal cease and desist, the company has failed to comply. 

It has now been over six months since I initially requested validation of this account, and no proper documentation has ever been provided. I also submitted an FTC report and supporting evidence to both Stellar Finance and Experian showing that my personal information was involved in data breacheswhich further supports my claim that this account is not mine.

The continued reporting of this unverified and disputed account is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and is causing me ongoing harm.

I am demanding that this account be removed from my credit report immediately. Stellar Finance has had more than enough time and opportunity to validate this information, and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, 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 and XXXX  has 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 and XXXX  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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Zelle Is Illegally Blocking My Accounts After Fraud Refusing to Restore Access or Correct Data Complaint Description : Zelle has unfairly and unlawfully blocked every account Ive attempted to open, even after I was the victim of identity theft and fraud. My original Zelle account was compromised due to hacking and scamming. Since then, I have taken steps to verify and secure my identity, yet Zelle continues to blacklist me, causing serious financial harm and disrupting my ability to function in daily life. 

Ive lost money, time, and countless opportunities because Zelle will not allow me to open a new account or use their service again. Every attempt to resolve this is met with vague policies and no real solution. This appears to be a case of automated discrimination, negligent data handling, and a lack of proper consumer support in accordance with federal protections. 

This is a direct violation of the following consumer protection laws and principles : Fair Credit Reporting Act ( 15 U.S. Code 1681 ) if Zelle is maintaining negative records against me ( especially after identity theft ), I have the right to have inaccurate or outdated information removed or corrected.

Electronic Fund Transfer Act ( 15 U.S. Code 1693 ) protects consumers from being held responsible for unauthorized transfers and requires financial service providers to provide dispute processes and transparency.

CFPB Consumer Protection Standards mandate fair access to financial systems and transparency in how decisions are made regarding access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My check card information was utilized for an online purchase that we did not make or authorize on XX/XX/XXXX ( see attached XXXX invoice ). My husband reported it immediately to our bank, Wells Fargo, via phone on XX/XX/XXXX, when the charge was still pending and had not yet cleared. We did not know who or how to contact the merchant at that time. The attached information shows that our card and address were used for the purchase, but the buyer name was " XXXX XXXX '' and the email address was XXXX. The documents show that the order shipped on XX/XX/XXXX from XXXX, headed to our house ( XXXXXXXX XXXX XXXX, XXXX, TX ), despite our notifying Wells Fargo that the order was fraudulent. As the FedEx tracking info indicates, and verified by FedEx, a change in the delivery was requested by the fraudulent buyer on XX/XX/XXXX, and the package was delivered to and signed for ( see attached proof of delivery ) by XXXX XXXX at a FedEx ground location - not at our residence and not by us. We have never ordered any product from XXXX nor had any contact with the company prior to this incident. The contact at XXXX XXXX location verified to us that they have the identification of the individual who signed for the package and that it matches the name on the order, but they can only release that info to XXXX XXXX. We have filed a police report as of XX/XX/XXXX. We previously asked Wells Fargo to reopen the case and we have been denied saying that they have compelling evidence to say we were involved. We have requested this information, but told they will send it in 30 days. They have pulled the money from our account and telling us case is closed. 
The seller also confirmed that the package was delivered to FedEx ground and picked up there, not our home. We are filing this claim in hopes to get solution from our bank and covered under their no tolerance coverage as this is an unauthorized purchase.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: COMMERCE BANK
State: TX

Complaint narrative:
Commerce Bank provides its online customers with XXXX months worth of account history. Customers can elect to get XXXX or XXXX of history, instead, for a fee. 

I never signed up to receive this additional account history. So, in XXXX of XXXX, I was surprised to see an unauthorized charge in my checking account activity for this service. 

I messaged them and also called them about this error and they removed the charge. They also told me that I needed to de-select the additional account history selection in my account, which I did. 

XXXX year later, in XXXX of XXXX, this all happened again. And, again, I both messaged and called them to correct the error. 

And then, the other day, only three months later, yet again, another charge appeared in my checking account activity. 

I dont know what the problem is here. 

Is this incompetence? Is it a website bug that has needed to be fixed for over a year? 

Im writing today to complain about this because, for one, I want my {$9.00} back.

Second, I want Commerce Bank to fix this issue in my account so that it doesnt keep happening, over and over again. 

And, thirdly, I want the Consumer Financial Protection Bureau to investigate this matter.

Is Commerce doing this to thousands of their customers who have not noticed or who do not have the time to complain about this? This is the stuff of class action lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations. 

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( TU ) XXXX - Account Number : XXXX * * * * - Balance & Past Due : {$0.00} XXXX XXXX XXXX - Account Number : XXXX * * * * - Balance & Past Due : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-04-17 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: 4M Collections, LLC
State: CA

Complaint narrative:
I am writing to report an incident of identity theft involving a XXXX credit card account that was opened without my consent. Despite my efforts to resolve the matter directly with XXXX, the issue remains unresolved, and I am seeking your assistance. 

On XX/XX/year>, I discovered that a XXXX credit card account had been opened in my name. I immediately contacted XXXX 's customer service and requested proof of ownership for the account, including documentation of my signature or other verification supporting the accounts validity. To my dismay, XXXX refused to provide the requested documentation. 

This lack of cooperation has left me unable to take further steps to resolve the matter, and the unauthorized account continues to impact my credit and personal financial security. 

Thank you for your time and attention. Please do not hesitate to contact me if additional information or documentation is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I receive a letter from Experian and XXXX XXXX on XX/XX/year> letting me know that my personal information was compromised and on the dark web. I also had XXXX XXXX say some charges {$1800.00} and other small amounts on a Credit card in my name

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 2025-04-17 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint against JPMorgan Chase Bank, N.A., acting as the depository agent and remittance custodian for XXXX XXXX XXXX ( XXXX XXXX XXXX ) in relation to mortgage account # XXXX, allegedly tied to my property at XXXX XXXX XXXX, XXXX XXXX NY. 

I submitted an accord and satisfaction draft note ( ref : # XXXX ) to satisfy the mortgage obligation. Chase Bank, as XXXX 's depository, was named on this instrument. However : Chase has issued two formal denials ( dated XX/XX/year> and XX/XX/year> ) that no account, note, or mortgage data exists in their banking systems. 

The alleged mortgage has no ledger activity or custodial record at the very bank designated to receive funds or remittances for the trust pool. 

This is material to proving that XXXXXXXX XXXX has no lawful possession or standing to enforce or report this alleged debt. 

Context : XXXX, the originating lender, confirmed in CFPB Complaint # XXXX that it made no assignment. 

MERS, as nominee, confirmed under CFPB Complaint # XXXX that no mortgage assignment was recorded. 

XXXX T-Ledger contradicts its credit reporting, and Chase Bank denies any remittance or custodial records, raising a serious question : If Chase, as the depository bank, has no record of the account where is the asset being held, and by whom? XXXX does not possess the note they have an interest in the security.

Company response to consumer: Closed with explanation