vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I Am writing to delete the following information in my file. The items I need deleted are listed in the report. I Am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Affidavit. Please delete these items as soon as possible

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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid all of my capital one card with my income tax that came on my XXXX XXXX card. The payment did not go through. I spoke to a representative the day. The payment did not go through and they told me they can use a different alternative shortly after they send me an email stating their closing all three of my capital one cards And I already spoke to a representative that never stated that they was closing. My account only stated that the payment did not go through for my XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Nelnet, Inc.
State: WI

Complaint narrative:
I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**. 

According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education** . Recent federal action has eliminated or reassigned the Departments responsibilities, with the **Small Business Administration ( SBA ) ** now serving as the managing entity.

This constitutes a **substantial and unilateral alteration of the agreed-upon terms**, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: DC

Complaint narrative:
Wells Fargo Bank, NA I have been trying to cancel unauthorized, fraudulent recurring charges from my bank debit card. 
On XX/XX/scrub> XXXX XXXX  I placed my debit card on hold - suspension. The bank continued to allow charges to be placed on my bank checking account attached to the suspended card. 
On XX/XX/year> I cancelled my bank debit card and received a new card. I have not activated the new card. The bank has continued to debit my checking account listing the new debit card number. 
The bank sent me a letter, XX/XX/year> based on my claim of unauthorized payments. The bank said the transactions were authorized despite my suspension of the debit card, subsequent canceled debit card and non-activated new debit card. 

I have requested the return of unauthorized transaction by Wells Fargo Bank. But they continue to debit my account.

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 2025-03-21 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

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 explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Initially I called and requested SPS apply my first payment to my account, as their records indicate I am past due. I mailed my first payment to XXXX before XX/XX/XXXX, which is what I was instructed to do ( per the enclosed letter from XXXX notifying me of the transfer of the note. Please see the enclosed documents ). Please note I opened XXXX accounts with XXXX, however this check is most assuredly for the XXXX the XXXX fairway, because the amount is the proper amount for the monthly payment on that property, and I references account number XXXX in the memo. Account XXXX was the XXXX account number for this loan. I have sent SPS multiple copies of the check that the original Servicer cashed, however SPS refuses to rectify the issue with XXXX, and are currently charging me late fees. SPS Claims the following : At the time the account was service transferred to SPS on XX/XX/XXXX, the account showed due for the XX/XX/XXXX, due date. The unpaid principal balance ( XXXX ) was {$280000.00}. Please note a payment was not applied to reduce the XXXX at origination or before the service transfer to SPS. In our review, you called the prior servicer and requested information on the payment. They returned the money to you directly via mail on XX/XX/XXXX. As the prior servicer did not forward funds to SPS, late fees assessed in the months of XX/XX/XXXX through XX/XX/XXXX totaling {$290.00} are valid. 
However every assertion therein is a lie. Firstly, I do not have a refund from XXXX. Secondly, I was never properly notified of the change. The letter ( attached ) provided by SPS advising me of the change is dated XX/XX/XXXX, which is AFTER I received the letter from XXXX that SPS has refused to acknowledge, and AFTER the first payment on this loan was made. Furthermore, the assessment of late fees is further improper and fraudulent, because even if I received a refund as SPS claimed, then that happened after the late fees were assessed and I still would not have been able to forward the payment before the assessment of late fees. It is curious that SPS is able to determine that I got a refund, however they are not able to properly rectify the issue with XXXX. 
This is not appropriate. SPS purchased the loan, and the first payment was misapplied by XXXX. SPS needs to get the payment from XXXX, and reverse any late fees and additional interest they charged me because of XXXX error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
XX/XX/year> cancelled insurance with XXXX XXXX and I was informed that nothing else was owed because I paid the last part of the insurance. 

I requested the purchase agreement which is the presume debt that this company is claiming that this debt belongs to me and if this account also states that is open or late which is another violation. This is a violation of FTC is this is not provided. 
under the 15 USC 1692G and 15USC1681s Also they they had not provided proper Debt Validation letter. 

Under the fair debt Collection Practices Act ( FDCPA ), 15 US code 1692 G. I am entitled to request a validation of debt that you allege is due to you. This is not a request to verify the debt but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment to you. 
You must provide the following allege information to me within ( 30 ) days from your receipt of this letter. 
Creditors Name and Full address Name of Debtor of record Full account number Amount of Debt Due date of Debt Original charge off or Delinquency Date Explanation of how the debt was calculated Name of the Collection Agency or Owner of Debt if applicable Amount paid if Debt was purchased Completed and executed agreement, including signature pages of the debt. 
Contract that I signed proving the debt is mine and that this amount is due to this debt collector

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For several months, I have been attempting to communicate with TransUnion, Experian, and Equifax regarding ongoing issues. Despite spending over {$60.00} on postage alone, I have yet to receive any response. When I try calling, I am met with an automated system that provides no resolution or direct access to a representative. At this point, I am considering legal action to address this lack of responsiveness.

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 2025-03-21 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: FL

Complaint narrative:
For several months, I have been attempting to communicate with TransUnion, Experian, and Equifax regarding ongoing issues. Despite spending over {$60.00} on postage alone, I have yet to receive any response. When I try calling, I am met with an automated system that provides no resolution or direct access to a representative. At this point, I am considering legal action to address this lack of responsiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX, 2024/ XXXX XXXX XXXX XXXX XXXX XXXX 2024 /

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XX/XX/year>2024 a person posing as a property manager requested payment of security deposit for a rental via XXXX to a Chase account. The person confirmed receipt of the money {$900.00} and then disappeared. XXXX and Chase refuse to refund {$900.00}. XXXX XXXX XXXX XXXX XXXX XXXX filed a claim for return of funds which was denied. A XXXX customer service agent assured me that sending the funds was fine. Chase declined fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
XXXX XXXX ( XXXX  ) XX/XX/XXXX, 2024/ XXXX  XXXX XXXX XXXX XXXX XX/XX/year>2024 /

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 2025-03-21 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: MD

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 explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 2024/ XXXX XXXX XXXX XXXX XXXX  XX/XX/scrub>, 2024 /

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This is regarding an original complaint # XXXX. Wells Fargo has denied the large transaction of {$9800.00} and yet returned the small amount of {$650.00} - claiming one was fraudulent and one was authorized. These fraudulent transactions happened within hours of each other and I promptly reported both. I have asked Wells Fargo for all investigative documentation and written explanations ( see below ). I have not received any of this except a repeat of the denial letter- with added sentences stating they could not stop the transaction because it had already been sent. This is false. I was told in person at the XXXX XXXX XXXX in XXXX, by representative XXXX XXXX - that the transaction was still pending. I was a victim of fraud and I believe I have met the legal parameters that relieve me of liability. I reported the fraud immediately and spent many hours trying to resolve the matter. I submitting a report from XXXX XXXX that identified and removed XXXX on my computer. I believe Wells Fargo has not met its burden of proof that I authorized the transaction. Below is the letter I sent requesting documentation and written explanations. 

Dear XXXX, XXXX Wells Fargo Fraud Department denial of my claim : 1. ) I am requesting all investigative documentation that led to the conclusion that I authorized this transaction. 

2. ) I would like a written explanation regarding Wells Fargo statement " we were unable to identify indicators of fraudulent activity '' which seemingly ignores the XXXX XXXX report I submitted which identified and removed malicious software on my desktop computer. 

3. ) I would like a written explanation regarding what steps Wells Fargo took to stop this pending transaction from processing ( representative name, time of attempt, who they spoke with at XXXX XXXX, etc. ). 

4. ) I would like a written explanation regarding Wells Fargo 's failure to keep my money safe by not catching and alerting me to banking behavior outside of my normal banking practices, especially after being made aware of the first fraudulent transaction. Wells Fargo website states they provide XXXX Fraud Monitoring which monitors accounts for unusual activity. I have never made a bill-pay, let alone one for almost {$10000.00}. 

Again, it defies logic that Wells Fargo would conclude I authorized this transaction when I reported the first fraudulent activity immediately and reported the second transaction within hours of it happening, while it was still pending filed a police report and took my computer to experts for inspection. 

I hope Wells Fargo will provide me with the above requests for information and reconsider my claim. 

Thank 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 explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
Equifax 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 in accurate or unverifiable accounts and unresolved The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit 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 2025-03-21 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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