vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$150.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$250.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$200.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$220.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$200.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$240.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$500.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$300.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$400.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00} XXXX - XX/XX/XXXX - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$300.00} ATM CASH APPROVED IN OVERDRAFT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$35.00}

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 monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
To Whom It May Concern, This letter serves as my formal demand for the immediate correction or deletion of inaccurate and unverifiable information reported on my credit file. Despite previous disputes, you have failed to perform a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). Your continued failure constitutes willful non-compliance, fraudulent misrepresentation, and a violation of my rights under federal law.

The following violations have been identified under both the FCRA and XXXX XXXX XXXX guidelines, requiring immediate attention :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-01-30 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-01-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TN

Complaint narrative:
Fraudulent Inquiries are on my credit report 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 XXXX XXXX XXXX XXXXXX/XX/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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax had violated the FCRA Section 1681i They refused to provide me with any proof And they never do a reasonable investigation they credit bureau dont care about consumer!

They will respond to the cfpb cuz they have to responde to you bout just to make you feel they are doing there job bout they are not the will show proof that this unverified account still on my credit! Bout they have response to you they are w
orking on it bout they are not!

Just need this of my credit and nothing more.

They will tell consumer creditor has verified account bout is not true all dispute go to a eoscar system and the computer do everything automatically. That they do investigation is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax had violated the FCRA Section 1681i They refused to provide me with any proof And they never do a reasonable investigation they credit bureau dont care about consumer!

They will respond to the cfpb cuz they have to responde to you bout just to make you feel they are doing there job bout they are not the will show proof that this unverified account still on my credit!

Bout they have response to you they are working on it bout they are not!

Just need this of my credit and nothing more.

They will tell consumer creditor has verified account bout is not true all dispute go to a eoscar system and the computer do everything automatically. That they do investigation is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> Late XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-30 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> Late XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-30 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: NY

Complaint narrative:
I am disputing charges made on my XXXX Capital One credit cards for transactions with XXXX. Many of these disputes were denied due to the XXXX dispute window. However, my disputes are based on misrepresentation and deceptive practices by XXXX, which are not constrained by the XXXX window. 

Capital Ones decision to deny my disputes based on a technicality does not address the core issue : the charges resulted from services that were misrepresented, and XXXX failed to provide evidence of fair gameplay and transparency regarding financial transactions ( deposits vs. withdrawals ). Furthermore, ongoing lawsuits against XXXX highlight broader issues of deceptive practices, which should prompt further investigation rather than dismissal due to the timeline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
THIS FALSE AND INNACURATE REPORTING AND FAILURE BY XXXX AND XXXX TO PROPERLY INVESTIGATE MY CREDIT REPORT DISPUTES AND TO REMOVE THE FALSE REPORTS FORM AMERICAN EXPRESS, XXXX  AND XXXX  HAS CAUSED ME FINANCIAL HARDSHIPS. These repeated denials have had a significant impact on my financial stability and opportunities, making it difficult for me to access necessary credit and improve my financial situation. I have been denied an apartment on XXXX occasions, credit on multiple occasions due to the lack of properly investigations into what I asked them to investigate, false reporting and inaccuracies on my credit reports, in XX/XX/XXXX : Denied a credit card application from XXXX ( XXXX ), Denied a personal loan by XXXX Financial institutions due to ( XXXX ) XXXX XXXX : Denied a car loan by XXXX XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX : Denied a mortgage pre-approval by a XXXX XXXX ( XXXX ). In XX/XX/XXXX : Denied a credit line by XXXX XXXX XXXX ( XXXX )., XXXX : Denied a home loan by XXXX Bank ( XXXX ), in XX/XX/XXXX I was Denied a small business loan, XXXX XXXX ( XXXX ) XXXX : Denied an apartment lease application by a XXXX XXXX  ( XXXX ). XX/XX/XXXX : Denied a retail store credit card by XXXX XXXX ( XXXX ). 

I decided to try to figure out my credit and noticed several inaccuracies on my credit reports from XXXX and XXXX, which I believe are negatively affecting my credit score. I contacted both bureaus to dispute these inaccuracies, requesting a thorough investigation and correction of the erroneous items. Despite providing all necessary documentation to support my claims, the bureaus did not properly investigate my complaint. The inaccurate information remains on my credit reports, causing ongoing harm to my financial well-being. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
THIS FALSE AND INNACURATE REPORTING AND FAILURE BY XXXX AND EXPERIAN TO PROPERLY INVESTIGATE MY CREDIT REPORT DISPUTES AND TO REMOVE THE FALSE REPORTS FORM XXXX XXXX, XXXX AND XXXX  HAS CAUSED ME FINANCIAL HARDSHIPS. These repeated denials have had a significant impact on my financial stability and opportunities, making it difficult for me to access necessary credit and improve my financial situation. I have been denied an apartment on XXXX occasions, credit on multiple occasions due to the lack of properly investigations into what I asked them to investigate, false reporting and inaccuracies on my credit reports, in XX/XX/XXXX : Denied a credit card application from XXXX ( XXXX ), Denied a personal loan by XXXX Financial institutions due to ( Experian ) XXXX XXXX : Denied a car loan by XXXX XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX : Denied a mortgage pre-approval by a XXXX XXXX ( Experian ). In XX/XX/XXXX : Denied a credit line by XXXX XXXX XXXX ( XXXX )., XXXX : Denied a home loan by XXXX XXXX  ( Experian ), in XX/XX/XXXX I was Denied a small business loan, XXXX XXXX ( Experian ) XXXX : Denied an apartment lease application by a Property Management ( XXXX ). XX/XX/XXXX : Denied a retail store credit card by XXXX XXXX ( Experian ). 

I decided to try to figure out my credit and noticed several inaccuracies on my credit reports from XXXX and Experian, which I believe are negatively affecting my credit score. I contacted both bureaus to dispute these inaccuracies, requesting a thorough investigation and correction of the erroneous items. Despite providing all necessary documentation to support my claims, the bureaus did not properly investigate my complaint. The inaccurate information remains on my credit reports, causing ongoing harm to my financial well-being. ''

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 2025-01-30 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-01-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax, XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, XXXX and XXXX consistenly responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax, XXXX and XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, XXXX and XXXX complies with federal law and provide consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect 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 explanation