vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear Settlement XXXX, My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am writing to formally request my claim as an Eligible Settlement Class Member under the various Wells Fargo settlements related to the following issues : Excessive overdraft fees Unauthorized identity theft product enrollment Improper credit card fees GAP insurance fees Unauthorized account opening As part of a fair resolution, I respectfully request full reimbursement of all applicable charges, along with any accrued interest or penalties that should have been credited to my account over time. 

Wells Fargo has reached multiple settlements addressing these matters, including : XXXX : {$140.00} XXXX class action settlement ( unauthorized account openings, improper credit card fees ) XXXX : {$3.00} XXXX federal settlement ( criminal and civil resolution for fraudulent practices ) XXXX : {$3.00} XXXX CFPB settlement ( excessive overdraft fees, GAP insurance fees, mortgage mismanagement ) Additionally, Wells Fargo wrongfully closed my CREDIT CARD This action has caused me severe financial hardship, and I have never been reimbursed for these funds. 

Beyond the financial loss, this situation has caused considerable emotional distress. I am deeply concerned that my personal information may have been compromised due to Wells Fargos past data breaches. I have already suffered from false allegations on my credit report, leading to denied credit opportunities, increased interest rates, and other financial setbacks. 

To fairly address the financial and emotional damages I have endured, I am requesting the following : Full reimbursement of the funds wrongfully taken from my account, including accrued interest. 
Compensation for financial hardship caused by credit denials, increased interest rates, and penalties. 
Damages for emotional distress, stress, and fear of identity theft. 
Restitution for any unauthorized fees or wrongful charges applied to my accounts. 
If a fair resolution is not provided, I will consider seeking legal counsel to escalate this matter further. Please advise on the next steps for processing my claim. Additionally, if a formal written request is required to claim any uncashed settlement payments, kindly provide the appropriate contact details and mailing instructions. 

I appreciate your prompt attention to this matter and look forward to your timely response. 

Sincerely, 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 2025-03-10 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: AL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of Identity Theft. Capital One is the only last bank ( from 6 I had, same issue ) who denied to close fraudulently opened account which I am did not authorize. 3 times I have been contacted them already and provide Police Report to them. Nothing. They are still insist that it is mine. Question : how the person that wasn't even in the country at the time account was opened is responsible for that? I gave them all my documents, ID, I-94 form, etc. They won't check my face with theft ones ( if they even have such ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OH

Complaint narrative:
XX/XX/XXXX notified by XXXX XXXX that my score had dropped by XXXX points. Edfinancial reported my account as 90 days past due.

I called this day and they told me my account had been in a forbearance cycle starting in XXXX of XXXX. My account would get up to 90 days past due and they would place it in forbearance again. This cycle continued until they reported me past due on this day. I was under the impression that my account was fine because payments were consistently coming out of the bank account. I submitted proof of these payments to them and they told me they would be undergoing an investigation as to where my payments have gone and why they were not applied to my loan balance. 
XXXX recieved a statement from edfinancial that my account was 120 days past due. Called in and the woman had me do a verbal forebarance that would bring my account current and prevent being reported to the credit bureaus. She told me that she could see where I submitted the proof of payment documentation and it was in processing which meant they haven't started the investigation yet. 
XX/XX/XXXX notified via XXXX XXXX that my score had dropped again because my account with Edfinancial was 120 days past due. Called in again immediately to see why I was reported again while my account was under investigation and under forbearance. The woman I spoke with was very rude, and was not willing to help. I asked why I was being penalized for their mistake and she told me they aren't credit professionals.

I am left feeling like my credit score will keep being affected. I also feel that I was not notified properly of delinquency notices. There is also insufficient information online regarding account statements through their website. I can not see any payments made over the life of my loan starting in XXXX. 

I have worked incredibly hard for many year to achieve top tier credit. This one account has really messed that up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX Asked to verify debt they didnt send me a verification letter XXXX Called again and asked to verify that the debt belongs to me failure to comply resulted in harsh language They are breaking multiple FRCA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-03-10 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-03-10 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-10 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: MI

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

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 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently reviewed my credit report and noticed unauthorized credit inquiries. I did not give permission for these inquiries, nor am I associated with the transactions they are linked to. I am requesting that these inquiries be blocked and removed from my credit report immediately, as they were made without my consent

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 2025-03-10 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding multiple unverifiable and inaccurate accounts that are being reported on my credit file. These accounts are not valid, lack proper verification, and are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

I am disputing the following accounts, as they contain erroneous, outdated, or unverifiable information : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$18000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance : {$2600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) Balance : {$880.00} Legal Basis for My Dispute : Under 15 U.S. Code 1681i, when a consumer disputes the accuracy of an item, the credit reporting agencies and furnishers are required by law to : Conduct a reasonable reinvestigation within XXXX  days Verify the debt with documented proof ( original signed agreements, billing statements, and account records ) Delete or correct any unverifiable or inaccurate information These creditors have failed to provide sufficient documentation verifying these debts. Because these debts are unverifiable, they must be removed from my credit report in accordance with FCRA guidelines. 

Actions Taken : I have disputed these accounts directly with the credit bureaus ( XXXX, XXXX, and XXXX ), but they remain unverified. 
I have contacted some of the creditors, requesting debt validation, but they have not responded with proper documentation. 
I am escalating this matter to the CFPB, as my consumer rights under the FCRA have been violated. 
Request for XXXX : I request that the CFPB require these companies to provide legally valid proof of these debts, including signed contracts, billing statements, and account histories. 
If they can not validate these debts, I demand that these accounts be deleted from my credit report immediately. 
I request that all unverified and inaccurate accounts be removed or corrected to ensure compliance with federal law and that my credit file is reported fairly. 
This ongoing inaccurate reporting is causing financial harm and limiting my opportunities. I appreciate the XXXX  intervention in ensuring that these reporting agencies and creditors adhere to federal consumer protection laws. I request updates regarding the status of my dispute as this matter is investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CL Holdings LLC
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding multiple unverifiable and inaccurate accounts that are being reported on my credit file. These accounts are not valid, lack proper verification, and are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

I am disputing the following accounts, as they contain erroneous, outdated, or unverifiable information : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$18000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) Balance : {$880.00} Legal Basis for My Dispute : Under 15 U.S. Code 1681i, when a consumer disputes the accuracy of an item, the credit reporting agencies and furnishers are required by law to : Conduct a reasonable reinvestigation within XXXX  days Verify the debt with documented proof ( original signed agreements, billing statements, and account records ) Delete or correct any unverifiable or inaccurate information These creditors have failed to provide sufficient documentation verifying these debts. Because these debts are unverifiable, they must be removed from my credit report in accordance with FCRA guidelines. 

Actions Taken : I have disputed these accounts directly with the credit bureaus ( XXXX, XXXX, and XXXX ), but they remain unverified. 
I have contacted some of the creditors, requesting debt validation, but they have not responded with proper documentation. 
I am escalating this matter to the CFPB, as my consumer rights under the FCRA have been violated. 
Request for Resolution : I request that the CFPB require these companies to provide legally valid proof of these debts, including signed contracts, billing statements, and account histories. 
If they can not validate these debts, I demand that these accounts be deleted from my credit report immediately. 
I request that all unverified and inaccurate accounts be removed or corrected to ensure compliance with federal law and that my credit file is reported fairly. 
This ongoing inaccurate reporting is causing financial harm and limiting my opportunities. I appreciate the XXXX  intervention in ensuring that these reporting agencies and creditors adhere to federal consumer protection laws. I request updates regarding the status of my dispute as this matter is investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: SC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-03-10 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: EQUIFAX, INC.
State: LA

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NC

Complaint narrative:
CFPB complaint against all 3 CRA. Equifax, Experian, TransUnion -did NOT do a an investigation of my claims provided through the XXXX. My dispute shows closed on XX/XX/XXXX, however I never received any documents of results of this investigation. At the same time, I received a letter from Equifax dated XX/XX/XXXX, stating they could not locate my profile and to send a copy of drivers license etc to verify identity. ; even though it is the SAME information that all 3 CRAs received and have responded to my claim using the Same information. How do you close a dispute but request info from me for this dispute? This is a condense that they cant locate me, but the other bureaus can.

Experian & TransUnion : SAME as above. Improper investigation. Used same investigation reasons as previous. Inactive account option, which is not relevant to my dispute reason. Did not provide the documents previously requested. 

How was my dispute closed prior to a letter being sent out to me to send methods of proof of identity? 
How do you close a dispute that has not been investigated?

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 2025-03-10 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:
CFPB complaint against all 3 CRA. Equifax, Experian, TransUnion -did NOT do a an investigation of my claims provided through the XXXX. My dispute shows closed on XX/XX/XXXX, however I never received any documents of results of this investigation. At the same time, I received a letter from Equifax dated XX/XX/XXXX, stating they could not locate my profile and to send a copy of drivers license etc to verify identity. ; even though it is the SAME information that all 3 CRAs received and have responded to my claim using the Same information. How do you close a dispute but request info from me for this dispute? This is a condense that they cant locate me, but the other bureaus can.

Experian & TransUnion : SAME as above. Improper investigation. Used same investigation reasons as previous. Inactive account option, which is not relevant to my dispute reason. Did not provide the documents previously requested. 

How was my dispute closed prior to a letter being sent out to me to send methods of proof of identity? 
How do you close a dispute that has not been investigated?

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief