vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: IN

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: KEYCORP
State: UT

Complaint narrative:
I reached out to Key Bank on XX/XX/XXXX around XXXX XXXX due to notices my payment was late, but my payment is not considered late until XX/XX/XXXX. I had autopay set up but it had not made the payment yet and concerned, I canceled the autopay and ensured I would not be " double '' charged as has happened before in XXXX. I was assured the autopay would not pay as it was scheduled XX/XX/XXXX. The customer service rep assured me that the system says " late payment '' any day after the XXXX of the month, which is a faulty system in my opinion. I manually make the payment while I am on the phone with the customer service rep and see a confirmation pop-up. I don't screenshot it as I'm on the chat function that is finnicky and sometimes closes out. I trust it goes through ( it did not ). 

Then on XX/XX/XXXX when I go to make my XXXX payment, I notice the equivalent of two payments in my checking account, also from Key Bank, that is still sitting there. I look and was charged a {$140.00} late fee- which also concerns me with my credit as I am not late with payments as my credit history can attribute. I reach out to Key Bank that evening and the chat never got through to a person, so I chat ( the easiest way to get ahold of anyone at Key Bank ) and the customer service rep refuses to credit the fees because I have had it happen before already in the past year ( another AutoPay failure that did not go through ). They close the chat and instruct me to call Customer Service. Then the representatives after moving me from rep to rep get me to the Mortgage Department and tell me the same thing - a payment never went through on XX/XX/XXXX but they did see the AutoPay cancelation. My husband witnessed me putting the payment through- this is not in my imagination, which is how Key Bank makes it sound. To them, there is no record of my XXXX payment. They then refuse to refund my fees because I have been waived late fees in the past 24 months ( discrepancy here - the prior rep said 12 months ) and keep me on hold " doing research. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
Affirm sold my 3 accounts to XXXX in XXXX or XXXX ( I cant remember exactly the date ). Affirm marked my accounts as charged off which was correct but even though they no longer own my accounts- They are still reporting me delinquent every month. I have arrangements with XXXX but if this account was truly charged off as affirm states on my credit report, then affirm should not be reporting any late payments. If this account was not actually charged off then affirm should fix that. I have been working with XXXX directly and have had no contact with Affirm for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
XXXX XXXX2025, posted new collection with same amount as last disputed on XX/XX/year>2025 to credit bureau.amount disputed is XXXX, CKS Prime investments , LLC. Collection company refuses to respond back to me or answer my calls. They hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: Self Financial Inc.
State: TX

Complaint narrative:
I sent a dispute letter to this company over 30 days ago, notifying them of inaccurate reporting and requesting the removal of this account due to FCRA violations. However, I have not received any response. Self/Lead Bank has XXXX pattern of closing CFPB complaints by falsely claiming their reporting is accurate, despite clear errors. I will not accept a generic response when I have provided proof of their blatant inaccuracies, illegal practices, and FCRA violations. 

The date last active is inconsistent across bureaus, with clear re-aging. There are contradictory late payments, charge-offs, and " OK '' notations between XXXX, XXXX, and XXXX. Additionally, unfair interest has been applied, and there are discrepancies in balances and reporting dates. 

I have attached a copy of my dated and time-stamped dispute letter along with documentation for account XXXX, highlighting the erroneous reporting. I am demanding that this account be removed from my credit report within 14 days due to its misleading and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: AL

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

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

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a Wells Fargo savings account, and for 13 months, I was charged a $ XXXX monthly service fee because my balance dropped below the required {$300.00} minimum. These charges were deducted without clear notification, and I was unaware they were occurring. Throughout this period, I maintained sufficient funds in my checking account and could have easily avoided the fees had I been properly informed. 

The $ XXXX  monthly fees were deducted on the following dates : XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Total amount charged : {$65.00} When I contacted Wells Fargo regarding these fees, I was informed that the charges could have been avoided by meeting any of the following conditions : Maintaining a minimum daily balance of {$300.00} in my savings account. 
Setting up a {$1.00} daily automatic transfer from my checking to my savings. 
Using a XXXX XXXX XXXX XXXX transfer of at least {$1.00} per month. 
Setting up a $ XXXX monthly transfer from checking to savings. 
These options were never clearly communicated to me. Had I been made aware, I would have taken the necessary steps to avoid these charges. 

When I requested a refund, Wells Fargo unilaterally refunded only two months without my consent and then denied my request for a full refund of all 13 months. Furthermore, my initial case regarding this issue was misplaced, requiring multiple escalations before receiving a final response. 

Reasons for Dispute : The fees were deducted without sufficient notification or opportunity to take corrective action. 
The available methods for avoiding the fees were not clearly communicated. 
I maintained adequate funds in my checking account and could have easily prevented the charges. 
A partial refund was processed without my authorization, and my request for a full refund was unfairly denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive been contacting Experian for many days now I cant seem to reach anyone Ive been on hold for 20 minutes plus each time Ive called on dateXXXX XXXX2025XXXX-2025 regarding submitting a new Dispute because theres so inaccurate information on my credit report. Theres many names reporting I have one name, XXXX XXXX XXXX Also I have one mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX the others need to be removed. Thats inaccurately reporting also theres 5 hard inquiries I didnt authorize as well which should be removed such as XXXX XXXX XXXX/XXXX/2025 XXXX XXXX XXXX XX/XX/scrub>/2025 XXXX XXXXXXXX XX/XX/year>2025 ( I received an email XXXX/XXXX/2025 stating my PII may have been compromised with XXXX XXXX 
XXXX XXXX XXXX XXXX/XXXX/2025 XXXX XXXX XXXX XXXX XXXX XX/XX/year>2025 According to the FCRA any inaccurate information or authorized inquiries must be removed I the consumer XXXX XXXX request the removal of 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 explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC
State: KY

Complaint narrative:
I paid the 36 months as agreed with Volvo Financial Services with XXXX late payments. The original lease maturity date was XX/XX/year>. I contacted them as I was not sure if I was going to buy another new Volvo or purchase my existing lease vehicle. I contacted them on XX/XX/XXXX and we signed a 1 month lease extension. I made this extra payment a few days later. The new maturity date was now XX/XX/year>. I decided to purchase the vehicle so I obtained financing via a XXXX XXXX. They sent payoff check # XXXX for {$30000.00} in early XXXX. I also called the lease termination department again to advise that I had purchased the vehicle and they would be receiving a payoff check. My wife started receiving collection calls on her cell phone later in XXXX we thought it was spam because the phone number for Volvo Financial never said Volvo and they never left a message as to why they were calling. Finally she answered and that is when we found out we had been send to collections. Apparently they never received the first payoff check. It was received by them and lost or lost in the mail by USPS. I immediately put a stop payment on the original check and had the XXXX XXXX overnight an second payoff check via XXXX  which they received in early XXXX. They are reporting in error on my credit report that I have a balance due of {$1100.00}, a scheduled payment due of {$550.00} and that I am 30 days past due. This is inaccurate and unfair as my credit score dropped from XXXX to XXXX because of this issue. Please help. I am XXXX XXXX XXXX and have never missed a payment in my entire life. I believe their internal systems have a flaw when reporting to a credit bureau when a customer does a lease extension as it is not updating the maturity date causing accounts in report past due in error. I had no payment due to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Hi, thanks for taking the time to read this and trying to help me I was diagnosed with a XXXX XXXX and had XXXX to remove it, I asked to have my bills sent to my office so that they can make sure the bills are paid in the interim. Unfortunately, this company didnt forward the bills and I got one late mark on my credit report which is really hurting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
I registered with XXXX to sell off some of my XXXX purchases on XX/XX/XXXX, 2025.. XXXX is a web commerce marketplace where users can buy and sell new and secondhand items. On XX/XX/XXXX I received an email offer on one purse, the email had a link to click to accept. The instructions then asked for me to complete a W-9 and give a credit card number to guarantee I would ship the purse, it was in good condition and also to send me the proceeds of the sale. The site had the XXXX logos and appeared to be their site. Shortly after completing the information for my USAA credit card I received a notice that a company called XXXX was attempting pre-note charges to my credit card. The XXXX site I was using had a XXXX XXXX so I questions what was happening and the chat informed me this was normal procedure. I opened another XXXX window looking for their customer service phone # and their site indicates everything is done via email, there is no customer service number. Still concerned I called the fraud dept at USAA on XX/XX/XXXX and was told the pre-note charges ( there were several by this time ) were rejected. Totally disgusted with the procedure I told XXXX to cancel the transactions and I deleted my credit card and W-9 info. 
The next day on XX/XX/XXXX there was a charge from XXXX for {$370.00}. I have twice sent appeals to USAA on XX/XX/XXXX and XX/XX/XXXX, they have rejected both claims due to " lack of documentation '' I have also filed a complaint with USAA regarding their fraud Dept 's failure to stop the charge. I also contacted XXXX, their investigation reply is " Upon further investigation, our moderation team has taken further against the user who originally sent the in-app message in XXXX, Upon further investigation, I am so sorry to let you know that this request did not come from XXXX, and we are not affiliated with skinswap.com. '' XXXX send regrets but said their site was hacked but will not take any further action This information has been provided to USAA but they do not consider this documentation. I am most upset that I spoke to USAA fraud dept on XX/XX/XXXX and the fraudulent charge still went through. I am now forced to pay this charge of {$370.00} this month or risk destroying my credit.I currently has an excellent credit score of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( XXXX  ) or Credit Bureau XXXX XXXX ) XXXX then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act XXXX. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if I do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
on XX/XX/XXXX I sent a letter to global lending services requesting a 1095-c for my car loan balance for {$12000.00}. The car was repossessed in XX/XX/XXXX. XXXX, I still have not received correspondence back from the company in reference to the 1095-c. If the debt was written off my acct must be updated.

Company response to consumer: Closed with explanation