vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
My personal information is incorrect I saw different variations of my first name last name my address my work history a lot of things are incorrect on my C report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EdFinancial Services
State: VA

Complaint narrative:
I checked my credit report one day and I looked into and it said that I had a student loan with Ed financial. First of all I never even finished high school, I never even went to college, and when the account was first opened, it was in Texas, I never lived or been to Texas once in my life so far. I called numerous time to Ed financial and they told me that I had to get a police report and they would send me documents but they never did and told me they did but didnt. And then I would tell them that and they would say well our systems actually sent it out and we mailed it and I asked where and she said a Texas address when I never lived there or even visited once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX WELLS FARGO LIED. Wells Fargo closed my account, depriving me of my livelihood and creating a stressful situation for our family. On XX/XX/XXXX, we provided the information required to update our bank account. I attached an email showing that papers were received for the second time on XX/XX/XXXX. 
WELLS FARGO lied. They restricted my accounts due to professional incompetence. They received the documentation required to verify compliance with US sanctions, laws, and regulations. I see complicity and disrespect here. XXXX  needs to know. We are definitely being mistreated. The CFPB did not see my attached email, which confirmed that I sent the papers. I am attaching it 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 2025-02-23 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:
Im s victim of a data breaches by the government and other entities not once but 3 times In the last 15 years Over the last few years Ive tried to reach out to the original creditors to report the inaccuracies but Ive not been secretly in getting a resolve. Ask they do is sale my information to other companies and the proved starts all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
Im s victim of a data breaches by the government and other entities not once but 3 times In the last 15 years Over the last few years Ive tried to reach out to the original creditors to report the inaccuracies but Ive not been secretly in getting a resolve. Ask they do is sale my information to other companies and the proved starts all over 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 2025-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Kohls/Capon Credit Services Department handling credit services XXXX XXXX XXXX WI XXXX Re : Cease and Desist Request Regarding Unauthorized Kohls Credit Account Dear Sir/Madam, I am writing to formally dispute a credit account listed under my name with Kohls ( or Capone ) regarding a store credit card account, which allegedly carries a credit limit of {$300.00} and shows a last payment date of XX/XX/year>. I have no knowledge of this account and never authorized any purchases or opened any credit lines with your company. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 to dispute this account, and I respectfully request that you immediately cease and desist from reporting this account on my credit file. 

As per the FCRA, I am entitled to dispute any inaccurate information that appears on my credit report, and I request that you thoroughly investigate this account. I affirm that I have never authorized or signed for a Kohl 's ( or Capone ) credit card or participated in any transactions under this account. 

I request the following actions : Immediate removal of the account from my credit report. 
A written confirmation that the account will be removed and any associated late payment or other negative information will be corrected. 
A formal notification to me within 30 days of the completion of your investigation in accordance with the FCRA. 
Please note that failure to respond or resolve this issue may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant consumer protection agencies. 

This is a formal request for immediate resolution, and I look forward to your timely and professional attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 
2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am writing to inquire about the recent suspension of my Venmo account. I was surprised to find that my account was suspended without any prior warning or explanation, and I am hoping to better understand the reason for this action. 

I have been a loyal and responsible member of Venmo for many years and have always followed the platforms guidelines. As such, I would greatly appreciate it if you could provide clarification on why my account was suspended. Additionally, if there is an appeals process or steps I can take to resolve any issues and have my account reinstated, I would be happy to accommodate any requirements. I have responded to the previous email and submitted a picture of my photo identification. 

Please let me know what information you need from me in order to assist in resolving this matter. I look forward to your prompt response and to working together to clarify and resolve this situation. 

Thank you for your time and assistance. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: NJ

Complaint narrative:
SUBJECT : FORMAL DISPUTE REGARDING INACCURATE INFORMATION ON MY CREDIT REPORT I AM WRITING TO FORMALLY DISPUTE INACCURATE INFORMATION ON MY CREDIT REPORT THAT I BELIEVE IS HARMING MY FINANCIAL WELLBEING. I AM AWARE OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AND REQUIRED A THOROUGH INVESTIGATION INTO THESE INACCURACIES, AS REQUIRED BY THE FEDERAL LAW RECENTLY, THE CONSUMER FINANCIAL PROTECTION BUREAU FILED A LAWSUIT AGAINST EXPERIAN FOR ITS FAILURE TO PROPERLY INVESTIGATE CONSUMER DISPUTES, CITING SHAM INVESTIGATIONS AND OTHER UNLAWFUL PRACTICES. THESE PRACTICES, AS OUTLINED BY THE CFPB, INCLUDE : CONDUCTING INADEQUATE INVESTIGATION THAT FAIL TO ADDRESS CONSUMER DISPUTE PROPERLY. 
REINSERTING PREVIOUS DISPUTED AND INACCURATE INFORMATION WITHOUT EXPLANATION FAILING TO NOTIFY CONSUMERS ABOUT INVESTIGATION RESULTS EFFECTIVELY THESE ALLEGATIONS HIGHLIGHT SYSTEMIC ISSUES THAT DIRECTLY UNDERMINE CONSUMER PROTECTIONS AND PERPETUATE THE INCLUSION OF INACCURATE INFORMATION ON CREDIT REPORT. I BELIEVE MY DISPUTE MAY BE MISHANDLED IN SIMILAR MANNER

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX  XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. 
XXXX XXXX XXXXXXXX XXXX # xxxxxxxxxxxx XXXX XXXXXXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX # xxxxxxxxxxxx XXXX XXXX # xxxxxxxxxxxx XXXX XXXX XXXX XXXX # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX # xxxxxxxxxxxx XXXX XXXX XXXX XXXX # xxxxxxxxxxxx XXXX XXXX XXXX # xxxxxxxxxx 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 2025-02-23 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: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX  XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. 
XXXX XXXX XXXXXXXX XXXX # xxxxxxxxxxxx XXXX XXXXXXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX # xxxxxxxxxxxx XXXX XXXX # xxxxxxxxxxxx XXXX XXXX XXXX XXXX # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX # xxxxxxxxxxxx XXXX XXXX XXXX XXXX # xxxxxxxxxxxx XXXX XXXX XXXX # xxxxxxxxxx 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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I would like to address a few important points related to the recurring payment process and compliance with applicable laws. What you see in the system today is a recurring payment on the XXXX that is generated by your system. My selection is due date, not the XXXX and the system calculates that date. This complaint is not regarding a due date changes, this complaint is against the late fees that are getting charged to my account because your system doesnt draft on the DUE DATE. It sticks to the due date that is set up originally and it doesnt change and this is against the efta XXXX tila and the ach regulated laws. 

According to the Electronic Fund Transfer Act ( EFTA ), specifically 15 U.S.C. 1693e, financial institutions must provide consumers with clear and accurate information about the terms and conditions of any electronic funds transfer, including recurring payments. Furthermore, the Truth in Lending Act ( TILA ), 15 U.S.C. 1602, requires lenders to disclose the terms of payment clearly, including the due dates of recurring payments. 
Additionally, the ACH ( Automated Clearing House ) rules governed by the National Automated Clearing House Association ( NACHA ) mandate that financial institutions process ACH transactions accurately and timely, ensuring that recurring payments drafted from customer accounts occur on the scheduled due date established by the bank 's system.

I set up my payments for your system to draft on the " due date '' as the selected option, which your system indicated was the XXXX of each month. However, approximately XXXX months later, I notice that my due date changed to the XXXX and continued to change repeatedly. Despite these changes, your system did not draft my account on the new due dates. How is this the consumer 's fault? Refund all the fees associated with your bank system errors not adjusting to the actual due dates per your banking system. 

I have documented evidence, including recorded videos, that shows the option selected was specifically for the DUE DATE, with no other options available for adjustable due dates. Given that late fees were incurred due to your system not adjusting to the established due date, I am formally requesting a credit for all late fees associated with this issue. 

I kindly ask that you review my account and the associated payment schedule to ensure that future drafts occur on the due date as initially set. Additionally, I would appreciate clarification on how your system communicates any changes to the due date and ensures compliance with the laws and regulations mentioned above. ( efta, tila and the ach regulated laws )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed the stuff every time in the same error message pops up, like I dont understand why every time I dispute something it goes into the negative and the same message popped up when I try to do it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a complaint against TransUnion for continuing to report a bankruptcy on my credit report without proper verification. I have reason to believe the information is inaccurate for the following reasons : XXXX and XXXX XXXX Solutions are third-party data providers used by credit bureaus to verify public records. I recently disputed the bankruptcy with XXXX and XXXX XXXX XXXX, and I am currently awaiting a response from XXXXXXXX XXXX XXXX 

XXXX has already removed the bankruptcy from my consumer file, which strongly indicates that the information is not verifiable. 

The bankruptcy court does not report bankruptcies to credit bureaus. If TransUnion can not independently verify the bankruptcy from the original source, they are required by law to remove it. 

I formally disputed this with TransUnion, and they failed to conduct a reasonable investigation. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, TransUnion must ensure that only accurate and verifiable information is reported. Their failure to properly investigate and verify the source of this bankruptcy is a clear violation of federal law. 

I have attached two proofs of removal from XXXX, a copy of my previous dispute to TransUnion, letter from the bankruptcy court stating they don't provide information to any credit bureaus, state ID, social security card, and utility bill as proof if identity and address.

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