vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: CT

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that is currently involved in pending litigation. Given the legal status of this matter, it is both premature and inaccurate for this account to be reflected on my credit report at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX of 2024 I purchase XXXX tickets in the amount of {$1200.00} to an event that was being held XX/XX/XXXX thru XXXX. The event organizer decided to cancel the event 2 days before it was supposed to happen. He released a statement via the event website and XXXX page that he will be refunding everyone who purchased tickets. I spoke and texted with him back in XXXX and XXXX and that was the last time I was able to get in contact with him. I filed a claim with my bank back in XXXX of XXXX, they said I will be hearing from someone within 7-10 business days. I never heard back from anyone and it was around the holidays so I kinda forgot about it. I reached out to my bank in XXXX to get a status update and them person told me he could give me one over the phone and that I had to do it by email. So I sent them an email and i got a response stating that I need to call them for a status update because of confidential information. I called them today and the lady told me the claim was closed because they didn't have any evidence. I feel like I am just getting the run around from them. No one ever contacted me for any more information. If this was a matter of {$200.00} I would've just let it go, but this is {$1200.00} that I worked hard for. I have closed my account with the bank in made the purchase for the tickets a few months after the purchase

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion, This is my XXXX  and final attempt to resolve my disputes regarding inaccurate, unverifiable, and incomplete accounts appearing on my TransUnion credit report. Despite my previous disputes, TransUnion has failed to conduct a proper investigation or provide any verifiable documentation to support the accuracy of the following accounts : Disputed Accounts : XXXX  XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX  XXXX - Account Number : XXXX XXXX  XXXX XXXX  - Account Number : XXXX XXXX - Account Number : XXXX XXXX  XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX Personify - Account Number : XXXX XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX As per FCRA 1681i XXXX TransUnion is required to conduct a reasonable investigation within XXXX  days and provide clear documentation verifying the accuracy of these reported accounts. To date, TransUnion has failed to comply with this legal obligation by either refusing to remove unverifiable accounts or failing to provide supporting documentation proving their validity. 

Additionally, I am aware of previous legal actions against TransUnion for failing to properly investigate consumer disputes and for providing inaccurate credit information. Your continued failure to comply with federal law leaves me with no choice but to escalate this matter further. 

If I do not receive a formal response with verifiable proof within XXXX  days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnions noncompliance. 
Report XXXX FCRA violations to my states Attorney General for enforcement action. 
Seek legal counsel regarding potential damages due to XXXX failure to investigate and correct inaccurate reporting. 
This is XXXX last opportunity to resolve this dispute. I expect a full and verifiable response, including any supporting documentation used to verify these accounts. If TransUnion can not provide sufficient proof, I demand the immediate deletion of all unverifiable and inaccurate accounts from my credit report. 

Failure to comply will result in legal and regulatory consequences. I look forward to your prompt resolution of this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to lodge a complaint regarding inaccurate information on my credit report. Despite having a charge-off with XXXXXXXX XXXX  since 2019, this informations is erroneously indication that i have missed payments. I have not received a 1099C form from XXXXXXXX XXXX But they have acknowledged the error and agreed to remove this information from my credit. 


Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to lodge a complaint regarding inaccurate information on my credit report. Despite having a charge-off with XXXXXXXX XXXX  since 2019, this informations is erroneously indication that i have missed payments. I have not received a 1099C form from XXXXXXXX XXXX But they have acknowledged the error and agreed to remove this information from my credit. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: TN

Complaint narrative:
After paying off the loan on a car I had with Westlake Financial in the amount of {$4200.00} on XX/XX/year>, I was told it would take 7-10 days to release my title and then to allow 7-10 days to receive it in the mail. On XXXX I called and was told it was scheduled to be released on the XXXX. I waited the weekend and called back on the XXXX to verify and was told in the morning that my account was under a management hold and was waiting the review of a supervisor but I couldnt speak with a supervisor because they were in meetings all morning. I called on the XXXX at XXXX XXXX and was told by someone with a name that sounded like XXXX that there was no managerial hold on my account but that he could hold my title for thirty days and there was nothing that I could do about it. There was simply no recourse, they have my title and there seems to be no way of me getting it, even though I was told in the past they would ship it to me on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
I hope this letter finds you well. This will be my XXXX  attempt in regarding this matter of the inaccurate reporting of my accounts, which is in violation of the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 S-2 ( F ) and 15 USC 1666B I reviewed my credit report and discovered that late payments were reported from. I would like XXXX  to bring to your attention the fact that these late payments occurred during the period covered by the CARES Act, which provided temporary relief for consumers facing financial difficulties due to the XXXX-XXXX  pandemic. Not only were these late payments covered, but I called EQUIFAX due to the hardship, made accommodations, and was assured the account would remain good standing during this time frame. I am hoping this is a billing error, however it is still in violation of 15 USC 1666B.

Under the CARES Act, I was entitled to certain protections, including forbearance options and relief from adverse credit reporting for accounts in good standing prior to the pandemic. I am requesting that these late payments are removed from these accounts and updated. These late payments are severely affecting my ability to obtain credit and are violating my consumer rights. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally disputing the following negative items on my TransUnion credit report, which I believe are likely the result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to conduct a thorough investigation into these inaccuracies. If any inaccuracy is identified, TransUnion must remove or block these items from my credit report to ensure the information reported is 100 % accurate. 

I am not simply requesting a generic notice that an investigation has been completed. I demand a detailed explanation of every step taken in this investigation, including how each disputed item was verified, what sources were contacted, and what documentation was reviewed. Transparency is non-negotiable. 

Failure to comply with FCRA regulations could result in further action. I expect prompt and complete resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SLM CORPORATION
State: MN

Complaint narrative:
Sallie Mae is threatening to sue me and is constantly calling my family. Started a long time ago. Most recently XXXX XXXX. And today the XXXX they called my stepdad. They keep threatening to sue even though my loans have charged off. I have looked into the statute of limitations for XXXX  debt consisting of XXXX years. This has not been reflected on mine nor my stepfathers credit report. They send incorrect info to me and make their forms unavailable via the app. I sent them a formal letter and kept a copy for myself, requesting the exact information about my debts and what specifically is owed. I have tried working with them about payments, even trying to pay other parts of my debt in small increments however that is simply not good enough. I am XXXX and trying to work of getting approved by social security which they know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NC

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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 XXXX {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NC

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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 XXXX {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am to formally express my concerns regarding XXXX 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
In XXXX 2024 I had both an Ally checking account and Ally credit card. To make the credit card payments, I would use the Ally checking account. On this month they returned the payment I had made to the bank. I was unaware why and they sent the statement with a late fee. I immediately paid the amount using a different method of payment and asked for the late fee to be waived since no one ( bank nor credit card sides ) could tell me why the payment was sent back. The representative denied the late fee waive. I closed all Ally accounts at that moment and said I would not pay the late fee. Since XXXX  2024 late fees and interest have accrued on a closed account. The company has sent collections calls for a late fee on top of late fee closed 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 2025-02-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 
I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. XXXX XXXX XXXXXX/XX/XXXX - Transunion, XXXX - XX/XX/XXXX - Equifax, XXXXXXXX XXXX - XX/XX/XXXX - Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just checked my credit report and was shocked to see inquiries I dont recognize. I truly believe Ive been a victim of fraud, and this has been incredibly stressful. Its not just frustratingits preventing me from accessing the credit I need, making things even more difficult for me. 
I feel helpless and overwhelmed, and I dont know what else to do. Please, Im asking for your help in removing these fraudulent inquiries. Any support you can provide would mean so much to me. XXXX XXXX XXXXXX/XX/XXXX - Transunion, XXXX - XX/XX/XXXX - Equifax, XXXXXXXX XXXX - XX/XX/XXXX - 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 2025-02-24 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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