vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have had an account with Wells Fargo for several years at this point. And over those years I have paid many many overdraft fees because their system will tell you that you still have money and you actually don't. It will even show you the transactions that you have made but not deduct those transactions from your available balance. Which will cause you to have the false belief that you have money and then when you spend said money you will get hit with many overdraft fees when you later find out that you did not in fact have that. This is a delayed posting issue and a inaccurate disclosure of available balance. And I have paid many hundreds of dollars due to this. This is beyond ridiculous and I'm tired of every time I call when this happens they tell me that they're unable to fix it which is not true at all. So at this point I will try filing a complaint but if that does not work then I will take other measures. I am getting robbed of my money and they're waiting until a person is down and then kicking them. And not only that but they do it in such a fashion that you are under the impression you're not down but then you find out later that you in fact were and it's almost like it's done on purpose.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got a letter for a deposition for an account with a creditor which I never had. It says the last name XXXX which was my previous name when I was married. I have told this creditor on multiple occasions that this is not my debt and they remove it and then they went ahead and contact me again like XXXX  years later with the same thing. I don't know how many times I have to tell them that this is not me. I am afraid they will try and take money from my bank account because they have done this before and frozen my accounts because of this issue. Like I said it happens every XXXX years and im so tired of having to go through this. How can we make this stop?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MD

Complaint narrative:
I recently discovered that my personal information was exposed in a national data breach. Upon reviewing my credit reports, I found accounts I do not recognize. I requested debt validation from the CRAs, but have not received a response. As a result, I filed an FTC complaint regarding the unfamiliar accounts.

Attached are copies of my ID, the FTC complaint, the XXXX report confirming the data breach, and my debt validation request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-12 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: LA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XX/XX/XXXX XX/XX/XXXX - {$0.00} XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XX/XX/XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$260.00} XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than XXXX  days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within XXXX  days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX  days of receiving the notice of dispute.

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 2025-05-12 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX * * * * XXXX - XX/XX/XXXX - {$100.00} XXXX  - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$2800.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * XXXX XXXX XXXX * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX * * * XXXX * XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * XXXX * * * XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX  - XXXX * * * * * XXXX * * * XXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX - XXXX * * * * XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * XXXX XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX - XXXX * * * * * * XXXX * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * XXXX XXXX XXXX * * * * * XXXX - XX/XX/XXXX - {$4700.00} XXXX - XXXX * * * * * XXXX - XX/XX/XXXX - {$0.00}

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 2025-05-12 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I don't recognize, I didn't give my permission, and was innecesary because I obtain a prequalify letter from XXXX XXXX XXXXXXXX, the next inquiries was make without my authorization : XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian

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 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc.
State: WA

Complaint narrative:
I made a {$120.00} payment on a medical collection account using my credit card in good faith as part of a six-month payment plan. The collection agency ( United Collections Bureau Inc. ) later informed me they no longer accept credit cards, leaving me with no viable way to make payments. I requested a copy of this policy in writing and was told none exists. I believe this change is unfair and restricts my ability to resolve the debt, despite my willingness to pay. Im concerned this may lead to credit damage through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I signed up for a recurring membership with XXXX XXXX XXXX XXXX. My first scheduled payment of {$19.00} was due on XX/XX/XXXX, but it failed to process. I immediately added funds to my account, expecting the charge to be reprocessed. However, XXXX XXXX did not retry the payment and deactivated my membership after just XXXX days around XX/XX/XXXX. I was denied access for the remainder of the membership term. 

Despite this, they continued billing internally and eventually charged me for XXXX missed payments totaling {$79.00}, plus a {$29.00} collection fee and an additional {$9.00} cancellation fee bringing the balance to {$110.00}. I did not cancel the membership it was terminated by XXXXXXXX XXXX due to the unprocessed payment. 

In XX/XX/XXXX, the debt was sent to XXXX XXXX XXXX. I submitted a written dispute through their website on XX/XX/XXXX, and followed up by email on XX/XX/XXXX, then again through their form on XX/XX/XXXX. I requested a breakdown of the charges and clarification of the cancellation fee. They responded with documents on XX/XX/XXXX, but failed to explain or justify the cancellation fee. As of XX/XX/XXXX, I have not received any further response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NV

Complaint narrative:
Certainly! Heres a structured * * Consumer Financial Protection Bureau ( CFPB ) complaint * * regarding * * XXXXXXXX XXXX IQ Data, and XXXX XXXX XXXX for fraudulent debt collection and misrepresentation : -- - * * Subject : * * Complaint Against Fraudulent Debt Collection & Misrepresentation * * To : * * * * Consumer Financial Protection Bureau ( CFPB ) * * * * Date : * * [ Insert Todays Date ] Dear CFPB Complaints Department, I am submitting a formal complaint regarding XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX * IQ Data * XXXX and XXXX XXXX XXXX XXXX XXXX for XXXX XXXX fraudulent debt collection, misrepresentation, and illegal business practices XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX  Key Concerns XXXX XXXX * 1. * * XXXX XXXX lacks a valid business license XXXX XXXX  They are operating without proper authorization, which legally prohibits them from XXXX XXXX charging fees, drafting contracts, or collecting debt XXXX XXXX 
2. * * Fraudulent debt reporting to IQ Data & XXXX XXXX XXXX  These agencies have validated and reported debts for a XXXX XXXX business not permitted to operate XXXX XXXX violating consumer protections. 
3. * * Intentional deception & misrepresentation XXXX XXXX The entities involved XXXX XXXX misrepresent their ability to conduct business XXXX XXXX knowingly enforcing illegitimate debt collections against consumers. 
4. * * Violation of Fair Debt Collection Practices Act ( FDCPA ) * * Debt collectors XXXX XXXX must not falsely represent debts XXXX XXXX, and reporting unvalidated debts constitutes a XXXX XXXX  serious violation XXXX XXXX XXXX XXXX XXXX XXXX  Requested Actions XXXX XXXX XXXX XXXX XXXX XXXX  Immediate investigation XXXX XXXX into XXXX XXXX, IQ Data, and XXXX  for fraudulent debt collection practices. 
XXXX XXXX XXXX Legal intervention XXXX XXXX  to prevent further unauthorized debt reporting from a business lacking a valid license. 
XXXX XXXX XXXX Removal of fraudulent debt claims XXXX XXXX from affected consumer credit reports. 
XXXX XXXX XXXX  Enforcement of penalties XXXX XXXX against companies violating FDCPA and consumer rights. 

I request confirmation of receipt and an outline of corrective measures CFPB will take regarding this complaint. 

They must stop charging illegal debt interest that IQ Data claims is their personal interest they are collecting which is prohibited by law of Nevada  to collect rental interest apt or collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, located at 15 U.S. Code 1681 et. seq., this creditor has violated my rights. Under 15 U.S. Code 1681 602 ( a ) 4, it is stated that I have the right to privacy. Furthermore, 15 U.S. Code 1681b 604 Sec. 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Furthermore, 15 U.S. Code 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.

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 2025-05-12 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 am writing to dispute inaccurate information on my credit report. I recently reviewed my credit report and noticed several inaccuracies I'd like removed. The accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all derogatory with issues ranging from having no knowledge of the accounts themselves and late payments reflected although payments were made on time. I've contacted the creditors, yet the changes have not been reflected on my report. I am requesting that the late payments and inaccurate accounts be removed from my credit report to reflect my true credit history. Thank you for your assistance resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-12 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: KY

Complaint narrative:
To Whom It May Concern : I am formally exercising my rights under the * Fair Credit Reporting Act ( FCRA ) * to dispute the illegal and inaccurate reinsertion of the account reported by * XXXX XXXXXXXX - # XXXX * / XXXX * * *, which was previously * * removed after a valid dispute * through the CFPB and FTC. 
This account has been * * reinserted without written notice within XXXX ( XXXX ) business days of reinsertion *, which is a * * direct violation of FCRA 611 ( a ) ( 5 ) ( B ) *. This action is unlawful and deceptive under federal law.

In addition, the information reported about this account contains * serious inaccuracies *, violating * FCRA 607 ( b ) * and compromising the integrity of my credit report. Below is a summary of the discrepancies : 1. * Inconsistent balances and credit limits * across TransUnion, XXXX, and XXXX.

2. * Different last payment and last activity dates *, affecting account aging.

3. The account is reported as * '' Collection/Chargeoff '' but still shows an active balance *, which is misleading and contradictory.

- Legal Dispute for Illegal Reinsertion 4. The payment history shows both * '' OK '' and " CO '' statuses during the same time period *, which is legally inaccurate.

5. Comments are inconsistent among bureaus : one reports the dispute as resolved, while another still lists it as active - a violation of FCRA 's uniformity requirement.

6. The account * does not reflect a proper closing date *, despite being charged off.

These violations break the following legal provisions : - * FCRA 611 ( a ) ( 5 ) ( B ) : * Reinsertion without written notice.

- * FCRA 607 ( b ) : * Reporting inaccurate or inconsistent information.

- * FCRA 602 ( A ) : * Consumer right to fair, equitable, and accurate credit reporting.

- * FCRA 623 : * Furnishers must report complete and accurate information.

Based on the aforementioned laws, I am demanding the following : - * Immediate and permanent removal * of the reinserted account.

- Written confirmation of the account 's deletion.

- Cease all future reporting of this account.

- A copy of the reinvestigation and verification used for reinsertion ( per FCRA 611 ). 
I reserve the right to file a legal claim for damages under the * FCRA and FDCPA * if this matter is not addressed immediately.

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 2025-05-12 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I previously disputed an account reported by JPMCB / XXXX XXXX XXXX / XXXX to XXXX. They claimed it was verified, but I never received any proof or documentation showing how they verified it. I believe this account is inaccurate or should not be on my report at all. Im asking for help to get this properly investigated or removed, as it's affecting my credit and financial opportunities. I have sent Police reports several of times regarding these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
My loan serviced with Mohela was a Joint Spousal Consolidation Loan. I applied to have the loan separated by XXXX. XXXX processed the application and separated the original loan into a new loan. After separation the original loan was supposed to be paid off. This has not occured. I am currently showing the new loan and the original joint loan on my Mohela account with payment due in XXXX. When I contacted Mohela, they said I should contact XXXX. XXXX said that their part in this is over. They merely separate the loan and have nothing to do with the payoff. Mohela is unhelpful in getting this resolved. They will not make an inquiry to FSA about the payoff or help in any way. They just keep telling me to contact XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: LEXISNEXIS
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief