vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
There were XXXX transactions that were posted on the XX/XX/year>, Wells Fargo gives a XXXX business day XXXX period. There was deposit made on XX/XX/year> at XXXX am next business day and they still charged the XXXX fees, I called to have them correct error and they refused to fix it. They said they couldn't waive fees and they couldn't expedite my call either dismissing me with a reference number to have the rep hang up on 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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I deposit one cashier check for XXXX $ from XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had originally a Discover IT Secured Card with Discover. In their website " https : XXXX XXXX  '' they state that " after 7 months, we begin automatic monthly account reviews to see if you qualify to upgrade to an 'unsecured ' card and get your deposit back '' The problem is not whether you have the unsecured card, the problem is that in their website they don't specify what type of card are you getting as a " unsecured card ''. They don't mention that it's going to be the exact same card with the exact same benefits, but only that it would be an " upgrade ''. When someone speaks of an " upgrade '' you're talking about something better than what you already have. ( In other words, you would be upgrading from the " IT Secured Card '' with the 2 % cash-back to the Regular Cash Back with a 5 % Cash-back. ) When I asked them why did I have the exact same benefits, they said that it is how it is. In other words, that " upgrade '' they mention is not an upgrade, but a change from secured to unsecured card, maintaining the exact same benefits. This is not an upgrade. This is clearly misleading advertising.

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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
My zales account was used without my authorization. Not only did they allow a purchase of over {$3000.00} but they also allowed the person to increase the limit. I did not realize my card was used until after my fianc passed away. He must have purchased it on a promotion because they added on another {$1400.00} that I also did not know about. When I contacted them to report they did a 10 day investigation without calling me for any information and told me they found it not fraudulent and I must continue to pay. Not only did they not help with the charge they then closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I attempted to deposit {$740.00} into an ATM but one {$100.00} bill kept being rejected. I asked for assistance from a store manager and by the time that they were able to help me, I turned back to the machine, the machine displayed an error indicating that my money was being retained and that I must contact my financial institution. So the machine, essentially took {$640.00} dollars from me ( not including the {$100.00} that kept being rejected ). I contacted my bank about it and their response time has been slow. They also refuse to issue a temporary credit in the amount being retained. I am experiencing emotional distress and unable to pay bills without the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Company was contacted about correctly reporting payment history for the month of XXXX in XXXX, two payments were made in XX/XX/XXXX ( XXXX XX/XX/XXXX ) understandably XX/XX/XXXX ( over 30days late ) payment being reported late but not XX/XX/XXXX payment ( 10days late ) credit reporting is normally if account is 30 days late. This reporting need to updated to report accurately

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have a mortgage on my credit the house was in the XXXX XXXX. I made all payments on time. The XXXX  XXXX was discharged. The payment are show up as late. I was told it could take 90 dates for there system to up date the payment

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have a mortgage on my credit the house was in the XXXX XXXXXXXX. I made all payments on time. The XXXX XXXX  was discharged. The payment are show up as late. I was told it could take 90 dates for there system to up date the payment

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 — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have a mortgage on my credit the house was in the XXXX XXXX. I made all payments on time. The XXXX XXXXXXXX was discharged. The payment are show up as late. I was told it could take 90 dates for there system to up date the payment

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: MS

Complaint narrative:
In accordance with The FCRA this creditor has violated my rights under 15 U.S. 1681 section 602 states I have rights to privacy.

15 U.S Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the due date.

A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 Section 604 ( a ) Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/year>, I experienced a near fatal attack from an ex partner. During that time, the person stole my credit cards and vehicle. When I was able to open my eyes and coherently talk, it was late 2024 before I had noticed the trail of destruction to my credit report. I reached out to Capital One after discovering the late payments and maxed out credit cards that I did not have access to. My mail had been forwarded along with losing my home in XXXX, Colorado. I had no access to my Capital One account until XX/XX/year>. I disputed the charges and capital One left multiple on the account because the account is now listed as a charge off. 

My account is closed and all of the payments have been reported as late. I've recently reached out to Capital One in regards to rectifying this matter with the credit bureaus as well. I don't have a credit card nor did I ever receive a replacement card. When I spoke to Capital One, they stated that the account ( s ) in question would be rectified and that new cards would be sent out. I'm currently making payments on a closed and frozen account on things that were never purchased by myself, XXXX XXXX XXXX due to me being incapacitated and in a coma between XX/XX/year> and XX/XX/year>. The account was being fraudulently used.

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: TN

Complaint narrative:
I received, an alert via Experian and XXXX alerting me that a collections account had been opened on my credit report. I requested the debt collector validate the debt and provide me with all information on file. Nothing has been furnished to validate this debt. I reported it with the credit reporting agencies, and it has yet to be removed. I have included this in my Identity Theft Affidavit formally filed with the FTC, approximately 30-45 days ago. This fraudulent account has yet to be removed and still continues to bring suffering to my life.

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: TN

Complaint narrative:
I received, an alert via Experian and XXXX alerting me that a collections account had been opened on my credit report. I requested the debt collector validate the debt and provide me with all information on file. Nothing has been furnished to validate this debt. I reported it with the credit reporting agencies, and it has yet to be removed. I have included this in my Identity Theft Affidavit formally filed with the FTC, approximately 30-45 days ago. This fraudulent account has yet to be removed and still continues to bring suffering to my life.

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: MS

Complaint narrative:
In accordance with The FCRA this creditor has violated my rights under 15 U.S. 1681 section 602 states I have rights to privacy.

15 U.S Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the due date.

A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 Section 604 ( a ) Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 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: AZ

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 2025-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I Identity was stolen. someone broke into my car and stole my wallet with my driver license, ss card, and passport. this it the result of that. The account XXXX XXXXXXXX, amount {$1100.00}

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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: IN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX by submitting an XXXX claim as Medical instead of Imaging claim. XXXX XXXX confirmed this in recorded call and volunteered that this mistake is a very common one committed by XXXX XXXX. 

XXXX XXXX XXXX was informed of this in writing. XXXX XXXX never resubmitted to XXXX XXXX. XXXX XXXX XXXX tried to collect a debt it knew was a result of a billing error. Time went by. 

XXXX XXXX XXXX has now contracted with XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX OH XXXX in an attempt to collect this money from me. 

XXXX XXXX XXXX has been informed by recorded call and by letter that this is not a valid debt. The above explanation for it invalidity was given both times. 

XXXX XXXX XXXX and/or XXXX XXXX  XXXX XXXX need to fix this! XXXX XX/XX/year> 2025

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-25 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: CA

Complaint narrative:
I demand the swift removal of these inaccuracies from my credit report. These entries violate the Metro 2 Credit Reporting Guidelines and are severely damaging my financial standing. Under Section XXXX ( a ) ( XXXX ) ( A ), information furnishers must provide accurate data, and it is clear that this obligation has not been met. 

Additionally, under Section XXXX ( b ) ( XXXX ) ( A ), you are obligated to investigate and correct any inaccuracies, and failure to comply with these requirements will result in liability under Sections XXXX and XXXX of the FCRA. Legal action will be pursued if these errors arent swiftly removed.

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