vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have everything to prove that Wells Fargo was charging me for months for over draft fees, I was charged these fee even tho Money was in my acct. This happen for year XXXX overdraft fees for {$25.00}, minimum daily balance of XXXX I contacted the company to have it reviewed but was constantly told they dont see the mistake. I have the emails and the bank statement and everything to prove it.. I was told it was a law suite and wells would be refunding money.. I still have not been contacted, They also added some type of repair acct to my acct without my permission.. Everytime I applied for anything I got denied. Loans, Car loans, I mean anything.. But I bank with them for years, and I would consider that a personal relationship. Never understood why they would denie me at my own bank but I could get a installment loan at other companies.. The over draft fees eventually took me out.. I tried to get my acct back straight but they never fixed or even agreed to fix the problem.. Like I thought I must be going crazy to have a bank tell me they dont see the problem but in my app and even the statements they sent me it was over draft fees, plus a healthy positive balance, no neg balance plus being charge back to b as k for months almost a year because they taking extra money out my acct.. It took awhile for me to notice but I want whats mines.. This cause major hardship to my finances. I was going through a XXXX and XXXX, trying to stay ahead with bills and my business.. And my own bank told me it wasnt happening.. I just realized that this really cause a lot of trauma.. And I wish I knew this was happening to everyone.. I would have loved to stand before the judge with all these documents and things I have saved and let Wrlls Fargo know how I feel.. Please lead me in the right direction.. I need answers.. sorry for any typos.. I actually think I have couple XXXX in over draft fees and return payment fees.. like why would they charge me for letting a company come through 4/5 times, over draft and funny thing the acct had money it.. This was a big scam from a major institution and I feel played.. I take responsible for not looking hard enough at my statement before i started to notice the problem!!!!! but I do not take responsibility for The bank lying and taking money from me at my hardest time In life.

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 2025-03-09 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: CBC Companies, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Email : XXXX XXXX XX/XX/year> Innovis Consumer Assistance XXXX XXXX XXXX XXXX GA XXXX Dear Innovis, I am writing to formally dispute inaccurate and unverifiable information that is being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered that XXXX XXXX XXXX is reporting an auto loan account with a charged-off status and a past-due balance of {$5200.00}, which is inaccurate and misleading. Also, Innovis violates my rights to privacy by reporting non-public personal information without my written permission or consent. 



Violations and Basis for Dispute : 1. Failure to Provide Accurate Reporting ( 15 U.S.C. 1681s-2 ( b ) The reported charge-off status and balance are inconsistent and do not reflect accurate payment history or verification of the debt.

If the debt was written off, it should not still reflect as a past due balance.

2. Failure to Conduct Proper Investigation ( 15 U.S.C. 1681i ) The furnisher XXXX XXXX XXXX XXXX XXXX has failed to provide proper validation of the debt and accurate reporting procedures. 

The reported information remains unverified, and as such, must be deleted immediately under FCRA requirements. 

XXXX. Inaccurate Reporting of a Joint Account The responsibility of this account is listed as joint with another individual, yet proper verification of liability has not been provided.

This violates 15 U.S.C. 1681e ( b ), as the credit bureau has failed to maintain maximum possible accuracy.

4. This violates 15 U.S.C. 1681, Rights to Privacy, by reporting non-public personal information without my permission.

Requested Action : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the disputed item can not be verified, it must be deleted from my credit report immediately. Therefore, I demand the following actions be taken within 30 days : 1. Remove the inaccurate and non-public personal information from my credit report.

2. Provide me with written confirmation of the deletion.

3. Refrain from re-reporting this unverifiable information in the future.

Failure to comply with these requests will leave me no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for damages under the FCRA.

I expect a response within the legally allotted 30-day investigation period, as required by the FCRA. Please send written confirmation of your findings and any corrections made to my credit report. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
My report still reflects fraudulent accounts and inquiries that I did not authorize, leading to a significant decrease in my FICO credit scores. Documentation from XXXX and XXXX confirming my information was compromised in the breach is included with this letter. Following my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of these fraudulent accounts and hard inquiries. The circumstances surrounding these debts raise ethical and legal issues, involving fraudulent practices. I would like the following issues on my credit report rectified : XXXX Bank : {$3100.00} : Fraud Open : XX/XX/XXXX State XXXX : {$4000.00} : Fraud Open Date : XX/XX/XXXX XXXX Card : {$5800.00} : Fraud Open : XX/XX/XXXX XXXX XXXX XXXX : {$5300.00} : Fraud Open Date : XX/XX/XXXX XXXX Off : {$55.00} : Fraud Open Date : XX/XX/XXXX Please investigate this matter and make the necessary corrections to my credit report. I request that you inform me of the outcome of your investigation at your earliest convenience

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 2025-03-09 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 writing to formally request the blocking and deletion of fraudulent accounts associated with my credit report. I am a victim of identity theft and believe these accounts were created without my knowledge or authorization. My personal information was exposed in the Equifax data breach, which has significantly impacted my financial security. 
Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit file. 
Please consider this letter as my official request to investigate and address this matter immediately The accounts I believe to be fraudulent are as follows : [ Provide details of the accounts-e.g., creditor name, account number, date opened, etc. ] To assist with your investigation, I have enclosed the documents find attachments

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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Theres a hard inquiry on my credit report that states a Capital One credit card has been opened. However I didnt open a Capital one credit card and I reported it to Capital one as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal has discontinued my account, and is refusing to release funds which have been stored in my digital wallet. They are claiming that I must wait 6 months before my funds will be released. They gave no specific reason as to why they took this action. I would like for PayPal to release the funds stored in my digital wallet. 

" At PayPal, we value a safer community for our customers to do business. We noticed activity in your account that's inconsistent with our User Agreement, and therefore we can no longer offer you PayPal services. 

Any bank account or credit card details attached to your PayPal account can't be removed nor can they be used to create a new account. You can still log in and see your account information but you can't send or receive money. Any money in your balance will be held for 180 days, after which we'll send you an email with instructions on how to transfer your money. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-09 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-03-09 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: NY

Complaint narrative:
The payment system provided by the AAFES/MILITARY STAR company has been faulty, which prevented me from successfully making payments on time. Despite my attempts by calling and EFT, the system failed to process the transactions, causing unintended errors.

Under the Fair Credit Billing Act ( FCBA ), I am entitled to dispute these acts resulting from system errors, such as this. Additionally, the issue is related to non-compliance with the Payment Card Industry Data Security Standard ( PCI DSS ), which outlines the security and functionality requirements for payment systems.

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 2025-03-09 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: CA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-09 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Spoke to Citi Bank XXXX XXXX, XXXX  regarding credit balance on account and a written statement that the account is closed. Was told I would receive a check in 15 business days. I have not received a check for the credit balance or a written statement that the account is closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-09 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: VA

Complaint narrative:
My credit file was involved in multiple data breach including XXXX XXXX, XXXX XXXX, & equifax. I would like my credit files removed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 2025-03-09 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I dont have any vehicles! I dont even use my credit. The car I have now is a XXXX XXXX that is paid off. Ive been in an identity theft situation for almost 3 years now. These accounts are not mine. They all were approved to be removed and they are still there!

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 2025-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have had a Khols card for years and always make my payment on time in cash directly at the store. I did so last month and yet when I received my statement it showed a XXXX dollar late fee was applied. I called and they explained that they were transitioning to Capital One and the payment wasn't posted until the XXXX. They did reverse the fee and called it a one time courtesy. How was it a courtesy when it was made on time? And how many others where charged this fee that might not even notice? Also if I ever needed them to waive a fee as a courtesy in the future my concern is that they may say they have already done so once even though my payment was made in cash, on time? The XXXX fee also seems excessive even though resolved.

Company response to consumer: Closed with explanation