vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
5 transactions in claim {$620.00} PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$110.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} XXXX/XXXX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$44.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$62.00} XX/XX/XXXX Wells Fargo bank said I made the purchases but I did not said my pin Was used but I did not make these purchases. My account had been compromised and they have caused me hardship with my finances. Wells fargo is performing unfair practices to consumers who file complaints about their funds being used when the account has been compromised. Wells Fargo Bank accused me of filing a false claim during the loss of my son when my account was compromised. I would like my funds to be returned to my account

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 2025-03-24 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: NY

Complaint narrative:
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$21.00} Date opened XX/XX/XXXX Balance - XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance - XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$280.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$490.00} XXXX XXXX  Date opened XX/XX/XXXX Balance {$610.00} XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX I do not own the accounts listed. These accounts have been disputed and have come back as verified and are a result of identity theft from data breach. I have requested that these accounts be removed due to improper investigation processes.

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 2025-03-24 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: IL

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report that I recently received from [ Experian, Equifax, or TransUnion ]. Upon reviewing the report, I noticed several late payments that are incorrect : 1. XXXX  XXXX  - This account is closed, and the loan was paid off. 
2. XXXX XXXX - This account is also closed and paid off. 
3. Department XXXX XXXX XXXX My loans are in deferment, and I have automatic payments set up with this account. 
4. XXXX - This account reflects fraudulent activity ; I have never taken out a loan with them. 

I want to emphasize that I have never been late on any of these accounts. Therefore, I request documentation proving that I was late on these accounts to support your inaccurate reporting. If you can not provide this evidence, I ask that you delete these alleged late payments from my credit report in accordance with 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b, the permissible purpose of consumer reports states : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not provide you with written instructions to report this information on my credit report.

Furthermore, the Fair Credit Reporting Act ( 15 USC 1681 ) states the following regarding exclusions from a consumer credit report : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Given these points, I demand that you delete the aforementioned late payments from my consumer report. Failure to respond satisfactorily with the deletion of the referenced accounts, and sending me a free copy of my report after the changes have been made, will result in legal actions against your company. I will also be seeking {$1000.00} per violation for the following : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-03-24 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:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report that I recently received from [ Experian, Equifax, or TransUnion ]. Upon reviewing the report, I noticed several late payments that are incorrect : 1. XXXX  XXXX  - This account is closed, and the loan was paid off. 
2. XXXX XXXX - This account is also closed and paid off. 
3. Department XXXX XXXX XXXX My loans are in deferment, and I have automatic payments set up with this account. 
4. XXXX - This account reflects fraudulent activity ; I have never taken out a loan with them. 

I want to emphasize that I have never been late on any of these accounts. Therefore, I request documentation proving that I was late on these accounts to support your inaccurate reporting. If you can not provide this evidence, I ask that you delete these alleged late payments from my credit report in accordance with 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b, the permissible purpose of consumer reports states : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not provide you with written instructions to report this information on my credit report.

Furthermore, the Fair Credit Reporting Act ( 15 USC 1681 ) states the following regarding exclusions from a consumer credit report : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Given these points, I demand that you delete the aforementioned late payments from my consumer report. Failure to respond satisfactorily with the deletion of the referenced accounts, and sending me a free copy of my report after the changes have been made, will result in legal actions against your company. I will also be seeking {$1000.00} per violation for the following : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
In XXXX of XXXX I submitted my PSLF application to MOHELA following XXXX payments during qualifying employment. I faxed in the signed form from my employer. They claimed that had made only XXXX payments and did not include the payments from XX/XX/XXXX to XX/XX/XXXX. I summitted the same employer verification again through my congressional representative inquiry ( which they refuse to respond to since XX/XX/XXXX ). Both of these were submitted by selecting manual submission on the website, then the form emailed or faxed. They continued to refuse numerous requests to correctly identify the payment made during that time frame as eligible. In XXXX of XXXX I summitted a THIRD application, this time electronically and following the employer verification they corrected some of their payment identifications as eligible but not all. They incorrectly listed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as ineligible for credit towards PSLF because of forbearance or deferment. They did update the payment count as XXXX out of XXXX. These XXXX payments are conveniently the amount needed to complete this program and provide forgiveness. They have these XXXX payment listed incorrectly because I had not asked for forbearance until XX/XX/XXXX while the forgiveness was processed. They never provide any communication regarding the status of this process but never fail to send inconsequential letters regarding when my income needs to be reverified or the interest I am accruing ( i.e. damages ). I had to check the website and provide my own audit to find their errors. I have asked for them to provide proof or reason why they are claiming forbearance on the months XXXX through XXXX XXXX. They refuse to respond to me or my congressional representative with information. They will only respond to the congressional representative via some sore of portal and demand a claim number which they only gave me after I made a complaint. I have made a complaint to the fraud, waste and abuse section of the Department of Education regarding this government contractor but they refuse to handle this issue. They referred me to an Ombudsman but gave me a phone number that was disconnected so there is no way to follow up on that. I have waited 12 months for them to properly process this PSLF application as I meet all the criteria in XX/XX/XXXX. Not only are they squandering taxpayer funds by failing to properly administer a government contract, they are potentially causing personal damages to me because of illegally accrued interest and false credit reporting. 
* I have all proof of payment and loan forgiveness applications available. They can not be uploaded due to PI and security. Will be provided upon secure request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to formally demand that you cease and desist from reporting any inaccurate, misleading, or unauthorized derogatory marks and collections on my credit report. Upon reviewing my credit file, I discovered that your company has reported negative information that I believe to be inaccurate, unverifiable, or improperly placed in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-24 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Account number XXXX DeaXXXX XXXX XXXX XXXX : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: MI

Complaint narrative:
This is my 3rd complaint about credit karma banking with the same issues! No one is making any effort to reply about our request for payment from the bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I viewed my credit profile and saw that I had some hard inquiries that do not belong to me.

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 2025-03-24 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: FL

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 non-monetary relief
Consumer complaint received 2025-03-24 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-24 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: PA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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