vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: MD

Complaint narrative:
Formal Complaint Against Experian for FCRA Violations Failure to Investigate & Remove Inaccurate Items To Whom It May Concern, I am filing this formal complaint against Experian for their failure to investigate and correct inaccurate information on my credit report within the legally required XXXX timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

30 days prior to today 's date of XX/XX/year>, I submitted a formal dispute to Experian regarding multiple unauthorized inquiries and outdated accounts. I have not received any response or resolution, making XXXX non-compliant with federal law. 

Violations Committed by Experian : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Investigate Within XXXX Days XXXX has failed to complete its investigation within the legally required XXXX period. 
FCRA 15 U.S.C. 1681e ( b ) Reporting Inaccurate Information They have continued reporting inaccurate, outdated, or unverifiable information, violating federal law.

FCRA 15 U.S.C. 1681n & 1681o Willful & Negligent Non-Compliance Their failure to respond may constitute willful or negligent non-compliance, which entitles me to damages, legal fees, and corrective action.

FCRA 15 U.S.C. 1681b ( f ) Unauthorized Hard Inquiries If Experian fails to comply, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and consider legal action for damages under FCRA 15 U.S.C. 1681n and 1681o.

I request an urgent review of this matter and expect a formal response within XXXX days, as required for CFPB complaints. 

Sincerely, 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 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
his ongoing harassment is not only intrusive but also a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c. I have already taken the necessary legal steps by submitting a Cease and Desist request, which was acknowledged by Wells Fargo Bank. However, despite their confirmation that I would no longer receive calls regarding this matter, your firm has persisted in contacting me, causing unnecessary stress and disruption to my daily 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 explanation
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
I am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates FCRA 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, experians actions may also contravene the consumer financial protection act 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in CFPB recent administrative proceeding ( file NO. XXXX ) against them for similar violations. I request that CFPB federal law and provides consumers with the necessary proof on investigation. 
XXXX XXXX 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 explanation
Consumer complaint received 2025-03-18 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint against Ally Financial regarding their refusal to remove inaccurate late payment information from my credit report despite clear evidence that these late payments resulted from bank fraud beyond my control. 

Complaint Details : Lender : Ally Financial Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Issue : XXXX ( XXXX ) XXXX late payment marks inaccurately reported XXXX and XXXX late payments Summary of the Issue : On XX/XX/XXXX and in XX/XX/XXXX my bank account was compromised due to fraudulent activity, which caused disruptions in my automatic payments to Ally Financial. I immediately took steps to resolve the issue by working with my bank to dispute the unauthorized transactions and restore my financial standing. However, during this process, some payments to Ally Financial were delayed. 

Despite multiple goodwill requests and appeals, Ally Financial has refused to remove these late payment marks from my credit report. Their refusal to acknowledge extenuating circumstances has caused severe damage to my credit score, negatively impacting my ability to secure loans and financial opportunities.

Resolution Sought : I respectfully request the CFPBs assistance in ensuring that Ally Financial : 1. Conducts a fair and thorough investigation of my case.

2. Removes or updates the inaccurate late payment information from my credit report.

3. Provides a detailed explanation of their decision in light of the fraud evidence submitted. 

Additional Information : I have also contacted the credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX ) to dispute these inaccurate late payments. However, they have advised me that Ally Financial, as the data furnisher, must approve the removal or correction. 

This situation has caused me undue hardship, and I believe it is unfair for Ally Financial to penalize me for circumstances beyond my control. I appreciate your time and assistance in resolving this matter. Please let me know if any additional information or documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Here 's the legally precise account of the illegal fee withdrawals, focusing on the facts and referencing the CFPB 's prior findings : Description of Illegal Fee Withdrawals " Wells Fargo has illegally withdrawn a {$10.00} fee from my account on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. This amounts to a total of {$70.00} in illegal fees. 

These withdrawals are in direct violation of established consumer protection laws and, specifically, run counter to prior findings by the Consumer Financial Protection Bureau ( CFPB ) regarding Wells Fargo 's practices. The CFPB has previously addressed Wells Fargo 's pattern of charging unauthorized and illegal fees, particularly those related to [ State the specific type of fee if known, e.g., overdraft fees, insufficient funds fees, or improper account maintenance fees ]. 

Specific Actions and Violations : Unauthorized Withdrawals : Wells Fargo unilaterally withdrew {$10.00} from my account on each of the aforementioned dates without proper authorization. 
Violation of CFPB Precedent : These withdrawals mirror the illegal practices previously identified and addressed by the CFPB. Wells Fargo has demonstrated a continued disregard for regulatory compliance and consumer protection. 
Lack of Transparency : Wells Fargo has failed to provide a clear and justifiable reason for these fee withdrawals.

Monetary Harm : These illegal withdrawals have resulted in direct financial harm to my account, totaling {$70.00}. 

Demand for Immediate Action : I demand the immediate and full restitution of the {$70.00} illegally withdrawn from my account. I also demand that Wells Fargo cease and desist from any further unauthorized fee withdrawals. Wells Fargo must provide a detailed explanation of the legal basis for these withdrawals, which I contend do not exist, and provide assurances that they have corrected the systems that allowed these violations to occur. 

This is not a matter of dispute, but a clear violation of established legal and regulatory standards. Wells Fargo is on notice that further illegal actions will be met with all available legal remedies. ''

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 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Unauthorized access to account resulting into the transfer of funds to unknown accounts.Reported to customer service right away that my account has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: AL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IN

Complaint narrative:
I have been tremedously impacted. According to 15USC 1681b Credit reporting agencies are only allowed to furnish consumer credit reports to those who have permissible purpose as defined by the FCRA. I have NEVER gave my written concent to share my information with a third-party ( TRANSUNION, EQUIFAX, EXPERIAN ) My privacy of educational records are protected under FERPA. I DEMAND my rights are not violated. I demand to see verifiable proof ( an original consumer contract with my wet signature on it between these 3rd parties ) you have on file of the accounts listed below. I demand the accounts to be removed immediately **XXXX open XXXX XXXX {$400.00} **

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IN

Complaint narrative:
I have been tremedously impacted. According to 15USC 1681b Credit reporting agencies are only allowed to furnish consumer credit reports to those who have permissible purpose as defined by the FCRA. I have NEVER gave my written concent to share my information with a third-party ( TRANSUNION, EQUIFAX, EXPERIAN ) My privacy of educational records are protected under FERPA. I DEMAND my rights are not violated. I demand to see verifiable proof ( an original consumer contract with my wet signature on it between these 3rd parties ) you have on file of the accounts listed below. I demand the accounts to be removed immediately **XXXX open XXXX XXXX {$400.00} **

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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
I have been trying to resolve this issue since XX/XX/year>. Planet home lending received XXXX payments from me on XX/XX/XXXX and XX/XX/XXXX, my XXXX payment on XX/XX/XXXX was flagged by my bank and not paid. Then XXXX XXXX  states they reversed the XXXX prior payments due to not authorized but those funds were never received back in my account. I have called numerous times, and I have emailed numerous times to give them the documents needed to correct my account and still have not resolved the issue. Finally, the bank sent all documents requested again in XXXX and I still have not gotten this resolved. PLEASE HELP! I am a XXXX  mother and can not afford to make those XXXX payments again I will search for an attorney at this time if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: OK

Complaint narrative:
We had XXXX for our phones. My husband died XX/XX/XXXX. Took me numerous times to discontinue and disconnect them from our phones. My number was XXXX and his number was XXXX. Had to be in XX/XX/XXXX. Their customer service is terrible. I then obtain XXXX XXXX for my number. I thought things were done with them I was contacted by a phone call by XXXX XXXX XXXX bill that was occurring and now had a problem, probably the expatriation of the year. I was shocked. Now, loosing my hubby and best friend, have they been charging me for his phone all along and using the credit card for pay pall? I had so many things to deal with, I was not aware of this charging. He died in XXXX! This is fraud. The date is XX/XX/XXXX, I requested this to be stopped and they wanted payment for this month So now they are charging me for that month. I hope this is not affecting my XXXX XXXX as it is XXXX with XXXX. I could just pay this ridiculous charge easily but it is the PRINCIPLE of the matter. And, I question, have they not stopped the charging since XX/XX/XXXX? Fraud. Fraud Fraud. I hope to get to the bottom of this and maybe they owe me a sum of the money they took from me. I am a senior citizen and retired, being a widow certainly is difficult enough. This company sucks Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX, a federal judge declined to block the XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ) from accessing the Department of Education 's student financial aid data. 
I am submitting a formal complaint regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), which has directly compromised the security of my personal and financial information tied to my federal student loans. Recent reports indicate that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX was granted unauthorized access to a database containing sensitive information of student loan borrowers, including Social Security numbers, income data, and other private details -- all without borrower consent. 

Specifically, I am naming XXXX XXXX and XXXX XXXX as known XXXX employees who have accessed my private data. However, this breach extends beyond them, as records indicate that at least XXXX XXXX employees, as of XX/XX/year>, have been granted access to my personal information without my knowledge or authorization. 

As a borrower with federal student loans through the XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX currently serviced by Nelnet, XXXX am deeply concerned that my private information has been accessed without my consent. This constitutes a clear violation of FERPA 's privacy protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Inquiries from Credit Report Dear TransUnion Consumer Solution I hope this message finds you well. I am writing to formally request the removal of certain inquiries that are currently being reported on my credit report. I understand that the integrity and accuracy of credit reporting are crucial to maintaining trust in the credit system, and I appreciate your attention to this matter.

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], I have the right to dispute information that I believe is inaccurate or incomplete. It has come to my attention that several inquiries listed on my credit file do not comply with the regulations outlined in the FCRA. Specifically : Inquiries that are not associated with my credit applications or do not have my written consent. 
Inquiries that have exceeded the permissible timeframe for reporting, as stipulated under FCRA regulations. 
XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Furthermore, I would like to highlight that there is an ongoing lawsuit regarding the failure of credit reporting agencies to conduct thorough investigations in response to consumer disputes. The allegations suggest non-compliance with the statutory requirements to ensure the reporting of accurate and verified information. This reinforces my request for you to take swift action regarding this matter. 

I kindly ask that you conduct a thorough review of my credit report and the associated inquiries. Given the potential violations of both the FCRA and the current legal landscape concerning credit reporting practices, I request the removal of these inquiries as they may negatively impact my creditworthiness.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my second formal dispute regarding the inaccurate address still being reported on my credit file, and I demand immediate resolution. My correct address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. The continued misreporting of incorrect address information is a direct violation of my rights under the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to ensure maximum possible accuracy in consumer reports, and failing to correct these inaccuracies despite my previous dispute constitutes willful non-compliance. Additionally, under 15 U.S.C. 1681b, my consumer report must only be used for legally permissible purposes, and the presence of incorrect personal data compromises this protection. By failing to correct this issue after being formally notified, the credit reporting agency is in violation of federal law and can be held accountable under 15 U.S.C. 1681n, which allows for statutory damages of up to {$1000.00} per violation, as well as punitive damages and legal costs. If this matter is not resolved immediately, I will have no choice but to escalate my complaint and explore legal action. I demand that my address be immediately updated to reflect the correct details provided above. Additionally, I require written confirmation once this correction has been made. Please address this matter without further delay to ensure compliance with federal law.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation