vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against three furnishersAlly Financial, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXfor ongoing and erroneous reporting of late payment information on my credit reports. These entries are materially inaccurate and do not reflect the complete payment history, circumstances, or required verification standards as prescribed under federal law. 

The tradelines in question are as follows : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/year> ; High balance : {$40000.00} ; Reporting late payments XXXX XXXX XXXX XXXX # XXXX Date opened : XX/XX/year> ; High balance : {$40000.00} ; Reporting late payments XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/year> ; High balance : {$2500.00} ; Reporting late payments These negative marks have appeared on my reports without sufficient validation, documentation, or correction, even after initial disputes. Under 15 U.S.C. 1681i ( a ), the credit reporting agencies and furnishers are required to reinvestigate disputed information and correct or delete it unless they can verify its accuracy. These furnishers have not provided such verification, nor have they responded with any reasonable explanation or substantiation.

Further, under 15 U.S.C. 1681s-2 ( a ), information furnishers must report with maximum possible accuracy. The recurring reports of late payments, without proper date tracking or consideration for mitigating factors such as temporary hardship or administrative error, reflect neither accuracy nor fairness. The lack of transparency or willingness to correct these issues is causing demonstrable harm.

As a result of these unresolved inaccuracies, I have experienced credit denials, increased interest rates, and emotional stress. These furnishers are in breach of their obligations under the Fair Credit Reporting Act ( FCRA ), including their responsibilities to promptly correct or remove erroneous data, as well as to respond to disputes with full evidentiary support.

I respectfully request the Consumer Financial Protection Bureau to initiate an investigation into these reporting practices and hold the responsible entities accountable under the FCRA. I am requesting the complete removal or correction of these negative entries unless they can be fully validated and documented in compliance with 15 U.S.C. 1681i and 1681s-2.

Should this matter remain unresolved within the next 10 business days, I reserve my right to escalate the issue to the Federal Trade Commission, my State Attorney General, and pursue civil relief under 1681n and 1681o for willful or negligent noncompliance.

Thank you for your attention and commitment to protecting consumer rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SoLo Funds Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a written request to SoLo Funds to formally revoke ACH debit authorization from my account, as allowed under the Electronic Fund Transfer Act ( Regulation E ). I explicitly requested confirmation that SoLo would no longer attempt to withdraw any funds from my account.

Since then, I have received multiple generic, automated responses referencing debit card issues and account access, but no response directly acknowledging or confirming my ACH revocation. On top of this, SoLo continued to send promotional emails suggesting my card was unfrozen and eligible to transact, which ignored the substance of my legal request.

Despite several follow-ups, I have not received the confirmation required by law. Any attempt to debit my account after this notice would be unauthorized.

I am filing this complaint because SoLo Funds has not complied with federal law and has failed to provide appropriate acknowledgment or action regarding my ACH revocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding a {$70.00} overdraft fee that was charged to my Wells Fargo checking account on XX/XX/year> I contacted the bank immediately after the charge and requested a refund due to financial hardship. I was informed that I had already used my one-time overdraft fee waiver within the past 12 months and therefore no further waiver could be granted. 

While I understand the policy, I explained to the bank that this was an unintentional overdraft and that I have been a long-term customer in good standing. I requested a goodwill adjustment or partial refund, but this was denied. 

This fee has placed an unexpected burden on me, and I believe the bank should have exercised discretion based on my account history and circumstances. I also asked for escalation to their XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, which confirmed the policy but did not offer any meaningful resolution.

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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
* * Subject : URGENT DEMAND FOR ACCURACY & FULL DOCUMENTATION Dispute ID XXXX ( XXXX Bank XXXX. ) * * Your response dated * * XX/XX/year> * * ( Ref : CFPB Complaint ) is * * wholly inadequate * * and fails to address my lawful demands. I am * * formally disputing * * the accuracy of the information reported by XXXX XXXX XXXXXXXX. and * * demanding full transparency * * under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 * *.

* * 1. Immediate Demands * * You claim a " reinvestigation '' is underway, yet you * * refuse to provide critical documentation * *. I * * demand * * the following * * no later than 15 days * * from the date of this letter : - * * A complete copy of ALL records * * XXXX XXXX submitted to Early Warning regarding my account. 
* * Proof of permissible purpose * * under FCRA 604, showing how XXXXXXXX XXXX  XXXX. legally accessed or reported this information. 
- * * Detailed transaction history * * ( including dates, amounts, and alleged debts ) used to justify this entry. 
- * * Signed contractual agreements * * ( if any ) authorizing this reporting. 

* * 2. Violations & Legal Action * * Your failure to provide these documents * * violates my rights under FCRA 609 ( a ) ( 1 ) * *, which grants me the right to * * all information in my file * *. If you refuse, I will : * * File a formal complaint * * with the * * CFPB ( Consumer Financial Protection Bureau ) * * for * * willful FCRA violations * *. 
* * Escalate to the FTC XXXX Federal Trade Commission ) * * and * * Arizona Attorney General * * for * * deceptive credit reporting practices * *. 
* * Pursue legal action * * against both Early Warning * * and XXXX XXXX XXXXXXXX. * * for * * defamation, negligence, and punitive damages * * under * * XXXX XXXX XXXX XXXX XXXX XXXX 

* * XXXX. Warning Regarding Reinvestigation * * If XXXXXXXX XXXX  XXXX. * * fails to validate this debt with original documentation * *, you * * MUST DELETE IT IMMEDIATELY * * per * * FCRA 611 ( a ) ( 5 ) ( A ) ( i ) * *. * * Do NOT * * simply " verify '' with the bankI demand * * conclusive proof * * this debt is * * accurate, complete, and legally enforceable * *.

* * 4. Final Notice * * This is your * * last opportunity * * to resolve this matter * * without litigation * *. Send all requested documents * * via certified mail * * and * * email * * to ensure compliance. 

* * Attached : * * - Copy of your XX/XX/year> response - CFPB complaint confirmation * * You have 15 days to comply. * * Failure to do so will result in immediate escalation. 

Sincerely, * * XXXX XXXX * * Social Security number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: WI

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX I am disputing an eviction record that is being reported on my tenant screening/background report. 
The eviction listed is either inaccurate, outdated, or can not be verified, and it is negatively affecting my ability to secure housing. 
I have already taken the step of freezing my consumer file with the reporting agencies ( including XXXX, XXXX, and XXXX ), and I have sent a formal written dispute letter requesting that they verify the information or remove it if it can not be substantiated. 
To date, I have not received any proper documentation or verification proving the validity of the eviction, which is required under the Fair Credit Reporting Act ( FCRA ). This record continues to harm my reputation and housing opportunities despite my efforts to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
Debt Validation Request Under the FDCPA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Georgia, XXXX XXXX XXXX XXXX Subject : Debt Validation Request Under the FDCPA To Whom It May Concern, This letter is sent in response to a collection notice I received from your office. Please be advised that I am requesting validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 



I do not acknowledge this debt and request the following : 1. The name and address of the original creditor.

2. The original account number associated with the alleged debt.

3. The amount of the alleged debt, including a breakdown of fees, interest, or other charges.

4. A copy of the original signed contract or agreement that legally binds me to this debt.

5. Proof that you are legally authorized to collect debts in my state.

6. The full chain of title showing that you have the right to collect this debt.

Until this information is provided, I request that : - All collection activities cease, including reporting to credit bureaus. 

- No further contact is made except to provide the requested documentation. 



Be advised that failure to provide proper validation or continued collection activity on a disputed debt may be a violation of the FDCPA. 



Please respond within 30 days of receipt of this letter. If you can not validate this debt, you must remove any references to it from my credit report and cease all collection efforts. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
CFPB contacted but there was not resolve to the matter. I have included the statement issued to CFPB by the collection agency. 

* Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Company trying to make me pay a debt that I dont know about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
Dear [ Equifax / Experian / Transunion ], & CFPB I am writing to request an investigation of the following information on my [ Equifax / Experian / Transunion ] credit report : Dispute : The charge-off/collection account of an obligation with XXXX XXXX XXXX is incorrect. The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/year> til current ] Explanation of my dispute : I am the victim of identity theft, and I did not open this account.

A picture the reporting on my credit report from the [ Equifax / Experian / Transunion ] credit bureau Please let me know if any additional information is necessary to remove the charge-off/collection

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX USAA Federal Savings Bank XXXX. XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Charge-off Listing Account Number : XXXX Date Opened : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute an inaccurate entry on my credit report regarding the account referenced above. According to the details provided, this account is listed as a charge-off, with an indication of " Repossession ; Redeemed. '' However, I would like to clarify that the vehicle associated with this loan was paid off in full and was not subject to repossession. 
As a result, this entry is incorrect and should be updated to reflect the accurate status of the account. I respectfully request that you remove the charge-off and repossession information from my credit report as it does not accurately represent the status of the loan. 
Please provide the following documentation to support your investigation : 1. Proof of the charge-off or evidence of any repossession.

2. Payment confirmation or redemption letter to demonstrate that the loan was paid off in full.

3. Updated account status reflecting the correct payment history and loan completion.

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate this matter and provide a response within 30 days. If you can not validate the charge-off or provide the necessary documentation, I request that this account be removed from my credit report entirely.

Please send any correspondence and documentation to the address listed above. I appreciate your attention to this matter and look forward to your prompt resolution. 
Sincerely, 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 2025-05-31 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX XXXX XXXX XXXXXXXX ( b ) and XXXXXXXX XXXX XXXXXXXX ( XXXX ) this data on my credit is a clear violation of not reporting XXXX XXXX accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I received an alert that my rent payment for XXXX was deducted from my account. Upon logging in to my mobile banking app and reviewing my account the {$1000.00} was in fact deducted including a separate transaction for resident fee of {$2.00}. The {$2.00} fee caused the account to go into the negative in which I needed to add approximately {$3.00} to the account, which I added XXXX & {$.00} to cover the fee. There were no other transactions pending or processing except these two. The transactions were deducted from the balance and processing. On XX/XX/XXXX. I checked my account again and the payment had been returned and other transactions that were processed with my debit card on XX/XX/XXXX, deducted from the balance on XX/XX/XXXX were now processing. If the transactions were used by debit and processing on XX/XX/XXXX, why were they now being processed on XX/XX/XXXX? I do not understand how my rent payment was processing showing the deduction amount with an updated balance. The funds were available at the time of processing and then they werent. Had Bank of America system shown accuracy this wouldnt have occurred. Its as if the transactions disappeared and came back. This should have never occurred. This bank error caused me to incur a {$50.00} return check fee with my apartment complex. This is unacceptable. 
Best Regards, 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This account was always paid on time. The air with connecting the payment to the wrong checking belong to the associate at Navy Federal. That recording of the associate stating it was an error on there in which caused my account to show late when in fact, it wasnt was fully owned by the Navy Federal associate for the year of 2024. There should be zero late payments since then the account has been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-31 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: AL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The following personal information is incorrect outdated this account is closed sold to a company without my knowledge continue to report payment when account is closed Please remove this inaccurate information from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the relevant creditor.

Company response to consumer: Closed with explanation