vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
I am writing to formally dispute an incorrect entry on my credit report regarding my account with Self Financial Inc. My credit report inaccurately reflects a missed payment, whereas I have made all my payments successfully and on time. This incorrect information is negatively impacting my credit history, and I kindly request that it be investigated and corrected immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. I am requesting that this erroneous late payment be removed from my credit file to reflect my actual payment history accurately.I request written confirmation once this matter has been resolved. As well as deletion of this from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi XXXX XXXX was opened in XXXX - Initially, everything seemed legitimate. I paid my bills using online XXXX checking for two months without any issues. However, starting with the third check, Citi received my payment, copied the check, and sent me a letter stating they didnt know which account to apply the checks to. They then claimed I hadnt paid my bill. I have only one account with Citi, and they clearly have my name, company name and address? Despite this, they contacted me again today to say I am delinquent, even though they received full payment, on time, over two weeks ago. 

I tried to close my credit card account. After speaking with four representatives, they started a slow paper-based investigation 15-day process to resolve the issue. Previously, they blamed me for using online checking instead of sending a paper check with a bill stub. 

This continued for months, and I stopped using the card and wrote another letter in XX/XX/XXXX. 

Citi received the first letter and contacted me saying the problem was resolved and apologized but could not say how its resolved, but did say I am all paid up. I will receive my awards in XXXX, and they will close the card in XXXX. I have not used it. We ended the call with the individual gave me a phone number to call in XXXX to close the account. 

Then two days letter I received two more letters from Citi. One issuing a refund check {$270.00} ( I assume it's for the late fees they charged me no idea ) and the other letter saying I owe them {$590.00} and they also contacted credit reporting agencies. 

I called the number the woman gave me XXXX and they couldnt tell me anything outside that ( for the third or fourth time now ) they will open an investigation, and it will take 15 days. Reference number XXXX. They had multiple people contact me and I thought the last person actually understood and agreed with the charges but was missing a check. I gave her XXXXXXXX XXXX  transaction number and 10 days later they found the missing check again. 

Now they sent me a letter saying they found it and I still owe them money. They owe me XXXX and they keep calling saying I have not made my payment. So I called them again today they stated they would file my inquiry, and I can send them the spreadsheet, but they may ignore it because to them its closed. 

Meanwhile my credit score went from over XXXX to XXXX and will continue to go down since they keep reporting I owe them money.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 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  Has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions 15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as 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 non-monetary relief
Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
The issue is with Wells Fargo Bank. On XX/XX/XXXX I requested services that were not rendered to me via XXXX. The name of the third party that stated they worked with XXXX XXXX XXXX XXXX XXXX XXXX, and their phone number is ( XXXX ). I contacted the third party and did not receive a response for a deposit towards the services. I allowed 24-48 hours to pass before contacting my bank which is Wells Fargo XXXX I filed a claim and the claim number is XXXX. I also contacted XXXX directly to try and resolve the matter. I contacted them at XXXX ( XXXX ) XXXX. As a result, I was advised to allow my bank Wells Fargo to resolve the matter. 

I allowed the timeframe they advised ; however, after several attempts to have a resolution I was advised to reach out to the third party 's bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the phone number listed XXXX. I was informed a fraud specialist was handling the case named XXXX XXXX. I spoke with them and several representatives to try and resolve the case. Unfortunately, the information that was relayed to me from XXXXXXXX XXXX XXXX XXXXXXXX was that after several attempts to resolve with the third party XXXX XXXX, the client went ahead and closed their account now making me liable for the loss as there was nothing they could do. After several research I was advised to seek legal help, which is why I am now trying to get this resolved with the CFPB. Although I am aware that XXXX is a third party platform utilized by multiple banks, I was advised by Wells Fargo that I could rest assure the matter would be resolved as it may time some time. It is now XX/XX/XXXX and the matter is still not resolved.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CT

Complaint narrative:
I recently discovered that my credit report contains accounts that I have no knowledge of. I did not open or authorize these accounts, yet they are being reported under my name. This is completely inaccurate, and I need an immediate explanation of how this happened. My credit history is being unfairly impacted, and this situation needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is reporting an auto loan from XXXX XXXX that I have never opened. I have never had any business with this company, nor have I ever made any payments to them. I have disputed this account multiple times, yet Equifax continues to verify it without providing any documentation to support its legitimacy. I have requested proof of this alleged debt, including a signed contract or validation documents, but Equifax has failed to provide any. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to verify the accuracy of reported information. However, they have failed to produce any evidence of this debt and continue to report incorrect payment history, negatively affecting my credit score. 
Also, on XX/XX/year> at or around XXXXXXXX XXXX I spoke to a live agent at Equifax regarding my dispute, and he refused to provide the method of verification ( MOV ) used to verify this fraudulent account. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), as I have a legal right to this information. Instead of providing documentation, the agent was rude and dismissive, refusing to comply with my request. This is further proof that Equifax has failed to properly investigate this dispute. I am demanding that this account be immediately deleted, and that Equifax be held accountable for failing to comply with federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
Security freeze has been placed on my file and I want it be lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-03-06 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: NY

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 neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the inaccurate late payment information reported by XXXX XXXX XXXX on my TransUnion credit report. Despite my previous dispute, TransUnion has verified the account as reported without providing sufficient documentation or proper validation from the data furnisher. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable investigation, including a verification process that requires the data furnisher to provide documented proof of the alleged late payment. To date, I have not received such evidence. Simply confirming the information with the creditor is not a sufficient investigation under the law. 

I am requesting the following : Proper validation TransUnion must obtain and provide documented evidence from XXXX XXXX XXXX showing clear proof of my payment history, including the specific date of the alleged late payment and how it was reported. 
Deletion of the late payment If the data furnisher can not provide adequate documentation, TransUnion must remove this inaccurate information from my credit file as required by FCRA regulations. 
Compliance with FCRA guidelines Failure to conduct a thorough and reasonable investigation may result in further action, including a formal complaint to the FTC and legal action for non-compliance. 
Please consider this a formal demand for a reinvestigation under FCRA guidelines. I expect a response within the legally required timeframe of 30 days, along with any supporting documents used in your verification process. 

Thank you for your prompt attention to this matter. Please provide your response in writing at your earliest convenience.

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 2025-03-06 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: MN

Complaint narrative:
I believe I have fallen victim to identity theft. As a result, I have been advised by the three major credit bureaus to file a police report. My personal information has been compromised and has appeared in several data breaches. I believe this situation violates the Fair Credit Reporting Act. ( FCRA ), 15 U.S.C. 1681 et seq, as well as 18 USC 894 and UCC 3-401. Below I have outlined the accounts in question. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please note I am asserting my rights under UCC 1-308 without prejudice, and reserve all rights related to this matter. Additionally, the following name does not belong to me : XXXX XXXX, I've never lived at the following addresses : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-03-06 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: AL

Complaint narrative:
After I checked my credit profile I seen some inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
I am writing to formally dispute inaccurate and unfair reporting on my credit file under my rights granted by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), the CARES Act, and other applicable consumer protection laws. The following accounts contain errors that must be corrected immediately : 1. Service XXXX Credit Card ( Account ending in XXXX... ) The account reflects late payments, which should be removed under the CARES Act. If I was affected by XXXX and had an agreement with the creditor for deferral, forbearance, or payment modification, the account was required by law to be reported as current during that period. 

Under FCRA ( 15 U.S.C. 1681s-2 ), creditors must ensure the accuracy and completeness of the data they report. If any late payments were reported while I had an agreement in place, they must be immediately removed. 

I am requesting that this account be updated to reflect a Paid as Agreed status with no late payments. 


2. XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX... ) This account is listed as Paid, Closed, but it does not specify that it was closed in good standing. 

Under FCRA ( 15 U.S.C. 1681c ), closed accounts must be reported accurately and fairly. The lack of clear reporting misrepresents my credit history and affects my score unfairly. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ), it is unlawful for any entity to report misleading or incomplete credit information. 

I request that this account be updated to Paid, Closed No Late Payments to reflect the true status. 


Request for Investigation & Compliance As required under 15 U.S.C. 1681i, I am requesting an investigation into these inaccuracies and a correction of my credit report. You are legally required to complete this investigation within 30 days and provide a written response. 

If these inaccuracies are not corrected, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action to enforce my rights. 

Please update my credit report accordingly and provide written confirmation once the corrections are made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have attempted to resolve this issue with Transunion, however they have Not proper investigate information being reported on my credit report. This Violate Law 1681i ( a ) they must properly investigate consumer disputes.

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