vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
Experian 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 Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I rented a car And when I returned the car, I was overcharged. I called Navy Federal at that time because that was my credit union. They told me that I couldnt dispute the charge because I already agreed to allow them to charge me which wasnt my issue at all because I was charged more than the price that was agreed there was no damage done to their car. It was full of gas and it was clean at that time, I thought that the charges stop after that last inflated charge, but they charged me biweekly twice after that when I called Navy Federal they said I couldnt report it as fraud because I agreed to be charged after I returned the car because once I The agreement was concluded, but navy federal allowed them to continue to charge me anyway, and my checking account ended up close in the deficit of about {$3000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase XXXX XXXX assessed interest and late fees of {$260.00} based on a fraudulent charge of {$60.00} which I disputed. I called numerous times to get the interest and late fees removed and I was treated like a piece of garbage. On XX/XX/year> they removed the disputed fraudulent charge of {$60.00} but they classified the interest and fees of {$260.00} as a charge off which negatively impacted my credit score. Chase should not have classified the interest and late fees of {$260.00} as a charge off because it was directly related to the disputed fraudulent charge of {$60.00}. Because of their inaccurate reporting and their negligence in resolving this dispute, my credit score has been greatly affected. Chase claimed they did not originally realize it was a fraudulent charge because I did business with this company and there were charges after the original transaction. I only swiped my card once and the company added fraudulent charges later. This has caused many problems in my life. Please have them remove the charge off classification of interest and late fees because they should never have been assessed on a disputed fraudulent charge. I have tried to deal with ALL 3 credit reporting agencies regarding this matter and their response is that the Chases use of the charge offclassification is what is negatively affecting my credit score! I should be rewarded compensation because due to this I did not receive any other credit offers to roll over debt that I had on another credit card forcing me to dip into emergency savings. This has caused extreme emotional distress. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The issue is with Transunion Credit Freeze. Apparently, they have sold my information to numerous loan companies. I am getting calls every day from lenders since I signed up to freeze my credit. I attempted to call Transunion several times and submit a complaint online to get them to stop selling my information. Every time I submit it online, I get an error message. As far as the call, it gets disconnected in the phone tree. I would like them to stop selling my information as I did not approve of this. 
As to how I know that they did this, I asked the solicitors who called my phone how they have my personal information and why they are offering me loans and they advised me that Transunion gave them my information. I have asked to be removed from the list by several of the solicitors, and then I am contacted by more of them.

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 2025-02-05 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: CO

Complaint narrative:
There are accounts listed on my credit report that are incorrect and should not be associated with my name. This is not only unfair, but also alarming, as I have neither participated in nor authorized any activities related to these accounts. If you do not thoroughly investigate and correct these discrepancies, I will have no choice but to pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to formally dispute the ongoing and egregious reporting of inaccurate information related to XXXX charge-off accounts on my credit report with Bank of America . Despite my repeated attempts to resolve these issues, Bank of America has aggressively re-verified these accounts without performing the proper due diligence or correcting the clear discrepancies between the dates reported on my credit report and the validation letters I received.

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 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am filing this complaint against Wells Fargo for improperly disclosing my personal financial information in response to a complaint I submitted regarding interest fees ( COMPLAINT ID XXXX ). 

Instead of addressing my original concern, Wells Fargo shared details of my purchase transactions that were completely unrelated to my complaint. These details should have been redacted before being disclosed. This action violates my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ) and CFPB consumer protection guidelines. 

Why This Matters : Unnecessary disclosure of private financial details : The disclosed information had no relevance to the complaint and should not have been included. 
Failure to follow proper redaction procedures : Wells Fargo should have ensured that only relevant information was shared. 
The unauthorized disclosure of financial data raises concerns about Wells Fargos handling of sensitive customer information.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX 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 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XX/XX/XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been with Wells Fargo bank before it was Wells Fargo bank since the age of XXXX. I am XXXX now. in my younger years I used to bounce a lot of checks yet they still kept my account going with no problems. In 2021 for the first time ever I gave money to a political cause, and that was to the recall effort of XXXX XXXX. shortly after that I received a letter from Wells Fargo stating they have reviewed my account and in 30 days it will be closing and there was no further action I could take and no reason given. I had been a model customer. The only change was donating to a political cause. I didnt complain then because I didnt know I could until I saw the Senate hearing on debanking in America, I am now putting my complaint in because I always believed my account was closed because I went against the political party in power and it is not right

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Everytime I make a dispute on equifax my score drops massively. 

They refuse to correct the XXXX account and since I filed this report : XXXX my score has dropped by over XXXX points with no other changes. Is there an attorney that reads these that can contact me, it has gotten out of hand

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
I wrote to Transunion asking to verify accuracy on 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 XXXX Nothing was corrected. I wrote again asking for proof and nothing was sent. After that I wrote the 4 creditors asking for a original signed contract showing validation and I did not hear anything back from the 4 creditors. I have proof where I sent certified letters. I am asking to have all 4 Creditors permanently removed from my credit profile. Thank you for your help.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update XXXX XXXX with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: INTERNAL CREDIT SYSTEMS, INC
State: CA

Complaint narrative:
I received a call from a guy that started screaming and asking for a person. I asked who are you and he said that he will take legal action on me. This led me to believe he was a lawyer or law enforcement. I am a XXXX veteran and this has caused me emotional stress. He was very aggressive. After I filed a complaint on XXXX  asking him not to contact me he replied to the XXXX  saying that I was a fool and was more insulting. I thought this was a prank because I could not believe a so called company would act like this. I had to XXXX the phone number and found out it was internal credit systems inc owned by XXXX XXXX. I hope something can be done about this because I was equally shocked on how much lawsuits they were in and/or are facing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AR

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 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
AMERICAN EXPRESS CLOSED MY ACCOUNT AFTER SEVERAL PAYMENT. THEY WERE SUPPOSED TO ISSUE ME A CREDIT REFUND CHECK. I HAVE A LIEN ON THE ACCOUNT. I PUT THEM ON NOTICE THAT I REMOVE THEM FROM FIDUCIARY AND RECEVICERSHIP. I TOLD THEM I PUT THE IRS ON NOTICE THAT ANY DECISION WOULD HAVE TO BE ADDRESSED TO THE NEW FIDUCIARY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: OR

Complaint narrative:
My equifax score dropped XXXX points overnight because of a fraudulent collection that I do not recognize and never belonged to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I was stunned to find out that my credit report includes inaccurate accounts that I didnt authorize. These errors have been dragging my score down and making it harder for me to move forward with opportunities Ive been pursuing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation