vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I canceled auto pay for Barclay credit card on XX/XX/XXXX but they charged me for XXXX months on XX/XX/XXXX claiming it was auto pay. When I treid to log in into my online account it said to call the company and when I called they claimed that I needed to update my password so I had no way to look up at first the " auto Pay status ''. Finally I loged in and saw that I canceled auto pay and have proof. EWhen I asked them what happed they claim they dont know. I asked them if you claim my auto pay was reinstated then where is the proof and why does my activity online clearly says I canceled my auto pay on XX/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 2025-01-14 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 or removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experians inaction violates Federal law and my rights as a consumer. 

Dispute Report Number 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 2025-01-14 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: TX

Complaint narrative:
Dispute reason Unverified account I never had a contract with this debt collector for any debt. 
Dispute result Your items currently remain on your most recent credit report. Unless you have received a direct mail from XXXX, there is still a chance that it will be removed in the coming days.

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 2025-01-14 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: TX

Complaint narrative:
Dispute reason Unverified account I never had a contract with this debt collector for any debt. 
Dispute result Your items currently remain on your most recent credit report. Unless you have received a direct mail from Equifax, there is still a chance that it will be removed in the coming days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX  XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-15 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: CA

Complaint narrative:
THE COMPANY HAD A COLLTION PUT THE DEBIT ON MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I tried to see if I was qualified for the student loan forgiveness program, but I never received any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Before XXXX XXXX XX/XX/XXXX, a XXXX of {$1000.00} XXXX times on my checking account. And didn't show in my summary until the XX/XX/XXXX. 

XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} I finally noticed on XX/XX/XXXX and filed a claim of fraud and disputed the charge. Was sent a new card and waited 9 days. On the ninth day I activated my card, and 10 minutes after was denied. 

Called and asked on the reason for my denial, But was told they saw no fraudulent activity. I'm not sure how my card was used in XXXX XXXX, but I've never made these charges. I was also asked can I contact the merchant, but clearly I can't when I didn't make these charges. Claim didn't even come with a reason it was seen as legitimate. 

The amount drained from my account is {$5000.00}.

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was leaked & some identity theft took place I reported & disputed it numerous times but it has never been investigated and dissolved despite multiple attempts

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 2025-01-14 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: GA

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 disputes accounts, as Experians 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 2025-01-15 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: TX

Complaint narrative:
Equifax for failing to thoroughly investigate disputed accounts on my credit report and not providing supporting documentation on how those accounts were investigated. Despite disputing several accounts, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I have not received any evidence or explanation regarding how these disputes were resolved.

Equifax has not complied with the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ), which requires a thorough investigation and notification to consumers about the results, including supporting evidence. Furthermore, FCRA Section 609 entitles me to receive documentation about how the accounts were verified, which I have not received.

I am requesting the CFPB to investigate Equifaxs failure to comply with the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: NC

Complaint narrative:
There is an account on my credit report that is inaccurate and I have tried resolving this with the company and credit bureaus twice now!

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 2025-01-15 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:
There is an account on my credit report that is inaccurate and I have tried resolving this with the company and credit bureaus twice now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I paid {$370.00} for a service through Zelle and the service was never rendered. Ultimately, I discovered that the service was a scam and the person running it frequently convinces people to send money and doesnt deliver a service. I brought this information to my bank XXXX XXXX  XXXX XXXX XXXX in which they explained that once the money is sent, there is no way to retrieve it other than the recipient sending the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I used Zelle with my old XXXX  account and had a scam for a moving company happen as well as when I was selling furniture I was scammed by someone who used Zelle under someone elses name. I sent money never got back and XXXXZelle never honored the issue even with proof. The scale affect myself and someone else as the person posed as someone who they were not no one did anything the bank/zelle held me responsible which is horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
back in XX/XX/year> i sent in all my information because i wasnt able to get a 3credit pull because EQUIFAX have some type of lock on my file that im not aware of so after i sent in all the documents they took it off and i was able to get a 3credit pull i receive one in XXXX AFTER XX/XX/XXXX of me sending in a complaint to the CFPB my credit is back to doing what its doing i cant pull my credit at all i dont know whats going i have called them XXXX plus time and talked to so many managers they rude and disrespectful and hangs up this is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: NY

Complaint narrative:
Remove all accounts reported because of inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: NY

Complaint narrative:
Remove all accounts reported because of inaccuracy

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 2025-01-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Loss : {$200000.00} as of XXXX XXXX XXXX XXXX : Depositing bank NFCU : Receiving bank HELOC # XXXX Limit {$100000.00} I believe I should not be the responsible party Due to this matter my home is being sent for foreclosure I was contacted online by someone I thought I had been in contact with before. He wanted to take me on a vacation. Said he would pay for it. He said he would deposit into my HELOC account and I was to withdraw and send to whom he wanted me to for our reservations and vacation needs. It was his money so I did as he said. 
His accountant paid off my credit cards and began depositing into the HELOC. I used the NFCU mobile app to keep track of my HELOC account. I checked almost daily. I would see big deposits going in before balance was low. 
One day the mobile app showed I needed to come into branch. I could not access my accounts.

When confronted I was told that I had been scammed! I had not sent any of my own money to anyone. They told me that all of the ACH wired deposits had RETROACTIVELY FAILED. They also said they suspected something all along. I was shocked. I asked how that those deposits could fail and why wasn't I warned since they had suspicions and had seen it before??? They said they didn't like to bother their customers. XXXX. I'm bothered now!!

I asked if they had contacted the depositing bank. They said rules did not allow that. XXXX. What is a customer to do. Banks/credit unions have tools customers do not. 
Depositing bank should have done due diligence before issuing. I could not find out the branch the deposits came from, let alone the issuing person. Because the scammer is hard to find, it all becomes my debt to resolve. Not fair!! I am XXXX XXXX XXXX and now I have had to put my home up for sale. I filed a police report and XXXX. Police listed me as victim. I think that the depositing bank should not have issued the deposits and should have Errors and Omission Insurance to cover this. Not me. XXXX XXXX cell phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation