vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX I need a update on these Claim numbers and disputes and also need a update on other claims and disputes I filled but dont have the claim number for them I need to them if they was credit or denied if they are denied I need yall to reopening them all up and investigate it or appeal the old decision to have them all reopen and investigate again because I disagree with the decisions was made for all of them and for my XXXX dispute for {$32.00} I need that to be reopen or appeal to be investigated and reopen I disagree with the decision I have contacted XXXX but they told me they cant dispute it it was done by friends and family option not goods or service option and I didnt know that I used XXXX guest checkout option because I didnt have a XXXX account and I told them that my bank denied the dispute but they cant help me dispute it they say so please reopen it or appeal it to be reopen and investigate because I disagree with the decision on it and also provide me with all the new decisions when yall reopen them up and investigate them again and for my XXXX claim if yall cant help me on it please give me a onetime credit for {$32.00} because I really need it back and on XX/XX/year> my account is super to automatically closed down for checking and saving account but I still never got my new customer promo bonus to my checking account for {$300.00} and they told me I will get it after XX/XX/year> because I have meet the requirements for it so please add it to my account and also send me proof when the checking and saving account is closed and send me the my whole balance to me in a check in the mail at XXXX XXXX XXXX XXXX XXXX XXXXXXXX checking account number is XXXX and saving account number is XXXX and attachment of the both account is below etc. 

XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX Claim number XXXX Claim number XXXX Claim number XXXX Claim number Claim Reference Number : XXXX Claim number 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 2025-02-28 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: NC

Complaint narrative:
The accounts listed below are not credit transactions initiated by me. I will be filing federal complaints for unlawful practices, violating my consumer rights. I have not authorized any agency to report any derogatory, erroneous information about me, nor authorize consent to my credit file. Their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting information. Your agencys failure to comply with these legal requirements has caused severe damages to my credit standing. I request, the CFPB investigate thoroughly and ensure that the derogatory information is deleted from my credit report. Your agencys failure to adhere to legal standards has significantly damaged my credit standing, the Illegal accounts are : XXXX XXXX Line of Credit/Account # ... XXXX Balance : $ XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX/Account # ... XXXX Balance : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX /Account # ... XXXX Balance : $ XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Today I went to my bank to apply for a loan The bank was going to approve the loan but they could not approve it because Experian has frozen or is blocking my credit report This has gone on for months The bank representative tried to access the report online and she could not.

For over two years Experian has not updated my credit for about 2 years They keep saying that they can't unlock my credit because other creditors have different information

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
ABILITY RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : ALLEGED ACCOUNT # XXXX To whom It May Concern. 

THIS IS A NOTICE THAT YOUR CLAIM IS DENIED AND DISPUTED Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you 'ALLEGE '' 1owe. 

I am requesting proof that : 1 ) I am indeed the party you are asking to pay this debt ; 2 ) You possess original creditor documentation/business records with a full accounting using Generally Accepted Accounting Principles ( charges. payments, interest, eec. ) of the amount of this debt that can be presented as evidence. Also explain and show me how you calculated what you say I owe ; 3 ) Your claim is legally supported by a sworn affidavit from someone with personal knowledge of these business records ; 4 ) There is some valid contractual obligation which its binding on me to pay this debt, and 5 ) You, as a debt collection agency, produce documentation from the alleged creditor authorizing you to contact me and pursue the collection of an alleged debt that you or your client has ownership of this debt ; 6 ) You must show proof show that you are legally registered in the state of XXXX  and a legal debt collector and show your XXXX business license with your business insurance bond and bond stamp on it. Only number on a piece of paper is not valid proof. 

Your legal staff will agree that compliance with this request is required under the laws of XXXX  and Federal Statutes. 

Also be advised that this letter is not only a formal dispute, but a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. CEASE AND DESIST CONTACT AND DELETE SAID ITEMS FROM MY CREDIT REPORT UNTIL THE INVESTIGATION IS COMPLETE. ALSO, DO NOT EVER CALL ANY OF THE PHONE NUMBERS THAT ARE PUBLICLY LISTED 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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On my statement dated XX/XX/year>, the balance payable to Citi was {$11000.00}. My account has been established with auto-pay for the full amount due for years. Various credits were applied prior to the due date and Citi auto-debited my account for {$6600.00} on XX/XX/year>. 

Unfortunately, that amount was {$1300.00} less than the total amount due, which happens to be exactly the amount of a conditional credit reversal by Citi on XX/XX/year>. 

To net it out, Citi 's own auto-pay system failed to debit my account by the exact amount of this conditional credit reversal thereby creating interest charges in XXXX and XXXX despite the fact that I have always maintained auto-pay authorization for the full amount due. 

I noticed this weirdness on XX/XX/year> and initiated a one-time payment for the {$1300.00}. 

Citi is attempting to charge me {$430.00} in interest for their own error.

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 monetary relief
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
XXXX Is the complaint number XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Mi. XXXX XXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding 30 Days To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the 30-day timeframe mandated by law. Below are the details of my complaint : XXXX. XXXX XXXX XXXX XXXX - Social Security Number : XXXX - Contact Information : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CRA ) Involved : ** - Name of CRA : Equifax , Experian, TransUnion - Date Dispute Filed : XXXX - Method of Dispute Submission : Online, - Description of Dispute : Validation of debt 3. **Violation of FCRA : ** - According to the FCRA , credit reporting agencies are required to complete investigations of disputes within 30 days of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ).

- As of tthe day the results were given to me, more than 30 days have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute.

4. **Impact on Me : ** - The delay in resolving this dispute has caused denial of credit, higher interest rates, and emotional distress.

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements.

- I also request that the inaccurate information be corrected or removed from my credit report immediately.

- Please provide me with written confirmation of the resolution of this matter.

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

Sincerely, 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 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My previous employer, XXXX informed me that the companys system was victim to a data breach and that my social security number and all bank accounts were compromised. My accounts have been placed on fraud alert since last year and there are 2 hard inquiries that I dont recognize. Both from Capital One bank ( XXXX XXXX, and the other on XXXX XXXX ). Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VI

Complaint narrative:
I am writing to dispute an inaccuracy on my credit report regarding my Navy Federal Credit Union account ( Account Number : XXXX ). Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information reported to credit bureaus. 

Upon reviewing my report, I noticed multiple inconsistencies : Charge-Off Reporting : My credit report states that my account was charged off and remains past due as of XX/XX/XXXX. However, this account was closed and charged off in XX/XX/XXXX. According to the FCRA, negative information should not be inaccurately updated to extend its reporting timeline. This could be considered re-aging, which is a violation of the FCRA ( 15 U.S.C. 1681c ( a ) ), as charge-offs should only remain on a report for seven years from the date of first delinquency, which in this case should not extend beyond 2026.

Payment History Inaccuracy : My payment history reflects continuous " CO '' ( Charge-Off ) status for every month from XXXX through XXXX. A charge-off should be reported only once, not repeatedly every month. This repeated negative reporting is inaccurate and unfairly impacts my credit score.

Under the Fair Credit Reporting Act ( FCRA ), I formally request : A thorough investigation into this dispute under 15 U.S.C. 1681i.

The removal or correction of inaccurate information regarding the charge-off reporting date. 

The correction of the improper repeated charge-off marks in my payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that I believe should be removed. Under the Fair Credit Reporting Act ( 15 USC 1681 ), I have the right to dispute any information that I believe is incorrect. 

The details of the account in question are as follows : - **Creditors Name** : XXXX - XXXX XXXX XXXX XXXX - XXXX*Reason for Dispute** : This account has been paid in settlement, and per the settlement agreement, the creditor agreed to delete this account from my credit report. Under **15 USC 1681a**, I am entitled to accurate and complete information in my credit report. The continued reporting of this account with a " paid in settlement '' status is misleading and does not reflect my current financial responsibility.

Additionally, under **15 USC 1681e**, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Reporting an account with a " paid in settlement '' status can misrepresent my creditworthiness. Furthermore, under **15 USC 1681s-2**, furnishers of information, such as XXXX have obligations to provide accurate and complete information. If this account has been settled, it should be accurately reflected or removed from my credit report. 

If you are unable to validate the status of this account or confirm its deletion within 30 days, I request that it be removed from my credit report. 

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

Sincerely, 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