vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I have unauthorized inquires on my XXXX, XXXX and XXXX credit reports on XX/XX/year>! I would like these items removed. According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have reached out to Aid Vantage regarding my student loans. Despite my attempts to communicate with them, I continue to receive fraudulent calls from an individual claiming to represent the Federal Government and Aid Advantage. In XX/XX/year>, I contacted XXXX XXXX concerning my situation involving identity theft ; however, I have yet to receive any correspondence from them. Furthermore, I have also inquired about bankruptcy, but, regrettably, I still have not received any response. 
Additionally, I have received a counterfeit letter regarding payments and the conclusion of my forbearance period. Upon explaining my situation to Aid Vantage, I was dismayed to discover that I was communicating with a scammer who was impersonating them, using the phone number XXXX. The individual identified as XXXX XXXX requested that I call her back once I unlocked my student.gov account. I am astonished that I fell victim to this deception. 
Subsequently, I contacted the legitimate student aid number, XXXX, only to find that the scammer had fraudulently accessed my entire loan information while posing as Aid Advantage. They even sent me a fake email. I am requesting a call from a secure line and will continue to follow up on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXXXXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Ph. XXXX XX/XX/2025 cfpb Consumer Financial Protection Bureau Ph. XXXX Subject : Dispute Dear cfpb I hope this letter finds you well. I am writing to formally dispute the [ nature of the issue, e.g., a billing charge, an incorrect transaction, etc. ] on my account. The details of the dispute are as follows Attachment. 
I have reviewed my records and believe the charge/transaction is incorrect. [ Provide any supporting information or evidence you have, such as receipts, statements, etc. ] I kindly request that this matter be investigated and resolved as quickly as possible. If further information is needed from my side, I would be happy to assist. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account Transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate and unfair item on my credit report regarding an account with Comenity Bank/Victoria . Based on my review of my credit report, the following inaccuracies require immediate correction : Charge-Off Reporting The account in question XXXX XXXX XXXX XXXX XXXX XXXX  was marked as charged-off in XX/XX/scrub>XXXX XXXX  with a balance of {$810.00} written off. However, my records indicate discrepancies regarding this reporting, and I believe this charge-off has been inaccurately reported. 
Credit Limit & Balance Discrepancy My credit report states that the credit limit for this account was {$500.00}, but the highest reported balance is {$810.00}. This discrepancy suggests either overcharging or misreporting of my account balance.

Account Status The account is marked as Closed, yet it continues to negatively impact my credit profile unfairly. The reporting appears inconsistent and misleading. 
Given these inaccuracies, I am requesting : A thorough investigation into this reporting. 
The removal or correction of the charge-off if it was inaccurately applied. 
A validation of the highest balance and credit limit to ensure accurate reporting. 

I have attached screenshots from my credit report as supporting evidence of these discrepancies. Under the Fair Credit Reporting Act ( FCRA ), I request that this matter be resolved promptly. 

Please provide me with a written response regarding the actions taken in this dispute. If this issue is not resolved fairly, I am prepared to escalate my complaint further. 

Thank you for your prompt attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
After viewing my report, I observed unauthorized inquiries from various creditors. I am worried that these may be associated with identity theft or fraudulent actions. I respectfully ask that you look into these inquiries and eliminate them from my credit report if they can not be confirmed as authorized. I have included my correspondence with the Bureaus, yet these inquiries continue to appear on my current report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-31 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft fraud and in results they are INQUIRES that don't belong to me or authorized by me and needs to be removed ASAP The completion of all my request seem to happen in portions because I keep returning to request mode it is not fair to wait 30-90 days for removal from this date it needs to get done and I have requested this before in the past which has accumulated time already the following inquire are : XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
By Federal Law 15 USC 1681 I am entitled to privacy of my personal credit information. My information was compromised/breach within ALL 3 credit bureaus. My account was hacked and my information was released to strangers. Accounts have been opened 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 2025-01-31 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: GA

Complaint narrative:
By Federal Law 15 USC 1681 I am entitled to privacy of my personal credit information. My information was compromised/breach within ALL 3 credit bureaus. My account was hacked and my information was released to strangers. Accounts have been opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-31 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: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-01-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
This complaint is being filed against XXXX XXXX XXXX Wells Fargo to whom has been calling and harassing me with false stories about not receiving the necessary Mortgage Assistance Documents in which as youll see the attachments they were sent to Wells Fargo. XXXX XXXX and Wells Fargo are vindictive losers because I got an approval for a XXXX XXXXXXXX to help cover the mortgage past due amount in what would bring me great relief. Instead this XXXX XXXX XXXX lies by claiming that shes in the Executive Office. However she just one of many customer service representatives that works in a small cubicle. Sadly from the days of slavery until the present Wells Fargo is still a XXXX company that hates and despises 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 2025-01-31 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: CO

Complaint narrative:
In XX/XX/year>, I vacated my rental unit at XXXX XXXX owned by XXXX in XXXXXXXX XXXX, in full compliance with my lease terms. Despite this, I was later charged for an additional month of rent that I do not owe. The property management never provided legitimate documentation to justify this charge, and I was not notified of any outstanding balance before it was sent to collections. 

This alleged debt was then reported by Columbia Debt Recovery, impacting my credit. I disputed the debt with XXXX, but they responded by stating that the collection agency confirmed the debt is being recorded correctly without providing actual validation. 

Upon further research, I discovered that multiple former tenants of XXXX XXXX have reported experiencing the same fraudulent charge during the same time period, suggesting a pattern of deceptive and predatory practices. 

Additionally, XXXX XXXX advertised a " monthly security deposit payment '' alternative in place of a traditional refundable security deposit. Tenants were led to believe that these payments would cover move-out costs, but in reality, these payments did not go toward move-out expenses and were never applied to any damages, unpaid rent, or legitimate charges. Instead, this program appears to have been a deceptive scam designed to extract extra payments from tenants with no actual benefit. 

Steps Taken : I disputed the debt with XXXX, but they did not conduct a proper investigation. 
I researched other complaints and found that multiple tenants were similarly charged false extra rent and misled by the fraudulent " security deposit alternative '' program. 
I have not yet received any validation of this debt from Columbia Debt Recovery but will be formally requesting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX Bank XXXX XXXX have knowingly submitted falsified reports in an attempt to collect payments. XXXX Bank XXXX XXXX was paid in full, as stated in the credit report prior to the accounts closure. Despite this, XXXX Bank XXXX XXXX still closed the account and unlawfully transferred the contract. 

Although the original charge-off amount was {$1800.00}, and the debt was fully satisfied, XXXX Bank XXXX XXXX has failed to report the valid balance since XXXX. As a result, XXXX and Equifax have already removed the inaccurate reporting due to its falsified nature, yet the account remains improperly listed with TransUnion. 

XXXX XXXX XXXX XXXX has further violated FCRA ( Fair Credit Reporting Act ) rights by attempting to collect {$2400.00}, an amount well over the original charge-off, even though the account was already paid in full and removed from other reporting agencies. Additionally, XXXX XXXX XXXX XXXX has deliberately marked the account as open, further restricting the consumers ability to obtain new credit. 
Violations Committed : Attempting to collect on a paid-in-full debt Attempting to collect the same debt twice Reporting inaccurate information in violation of FCRA standards Providing false information and refusing to investigate when prompted Failing to verify account details upon request Manipulating consumer data after being contacted Falsely reporting the debt as collectible Required Actions : XXXX XXXX XXXX XXXXXXXX must immediately delete the fraudulent debt. 
XXXX Bank XXXX XXXX must remove the false report regarding the paid-in-full account. 
Both companies should be investigated for consumer fraud and data manipulation. 
Any staff members responsible for reporting and validating these accounts should be held fully accountable for damages caused by the fraudulent reporting since 2019. 
Additionally, the companies failure to properly verify the debt, forcing the consumer to spend personal time correcting these inaccuracies, should be addressed. 

I demand immediate resolution and accountability for these violations.

Company response to consumer: Closed with explanation