vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im extremely frustrated by the inaccuracies on my report that are unfairly damaging my scores and blocking my opportunities. These errors have caused unnecessary setbacks, higher costs, and lost chancesthings I shouldnt have to deal with because of mistakes that arent mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX Loan opened at XXXX XXXX financial loan # XXXX This account has resulted in several fraudulent derogatory marks appearing on my consumer FICO credit report. I do not recognize this account appearing on my consumer credit report maintained by you. It was not opened, made, or initiated by me and is the result of identity theft and fraud following my leaked confidential information during the XXXX data breach. I have attached my proof of address, social security card, screenshot showing my information was affected, and a copy of my filed FTC report as proof from the US Federal Trade Commission that all of these consumer credit accounts are the result of identity theft and fraud. 
This XXXX Loan opened by another individual by the name of XXXX XXXX added my name to the loan # XXXX on XXXX XXXX student loan who did so without my knowledge or my permission/ authorization unlawfully. In this matter I ask that my name be detached from this loan and it be removed immediately from my credit report under false statements and inaccurate information that was applied to my credit report without my knowledge, consent. Please remove loan according to the law of unlawful conduct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX Loan opened at XXXX XXXX financial loan # XXXX This account has resulted in several fraudulent derogatory marks appearing on my consumer FICO credit report. I do not recognize this account appearing on my consumer credit report maintained by you. It was not opened, made, or initiated by me and is the result of identity theft and fraud following my leaked confidential information during the XXXX data breach. I have attached my proof of address, social security card, screenshot showing my information was affected, and a copy of my filed FTC report as proof from the US Federal Trade Commission that all of these consumer credit accounts are the result of identity theft and fraud. 
This XXXX Loan opened by another individual by the name of XXXX XXXX added my name to the loan # XXXX on XXXX XXXX student loan who did so without my knowledge or my permission/ authorization unlawfully. In this matter I ask that my name be detached from this loan and it be removed immediately from my credit report under false statements and inaccurate information that was applied to my credit report without my knowledge, consent. Please remove loan according to the law of unlawful conduct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/scrub>XXXX I called XXXX about removing a hard inquiry that doesnt belong to me and the representative hung up on me due to being unable to find my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
I, XXXX XXXX, hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or \ '' XXXX XXXX '' I am writing to dispute the late payments listed on my account and request an update of their status to " paid on time, '' in accordance with the provisions outlined in the Fair Credit Billing Act, specifically under 15 USC 1666b . 1. XXXX XXXXXXXX XXXX  Account Number : XXXX As per my rights under this federal statute, I am entitled to dispute any billing errors, including late payments, and request corrections to ensure accurate reporting. Additionally, I want to remind you of the requirements set forth in 15 USC 1637 and 1637b, commonly known as the " Billing Error Resolution Procedures '' and " Billing Error Resolution Act, '' respectively. According to 15 USC 1637, before any late payments are furnished to my credit report, I should receive a notice in the mail requiring disclosure or the 1637b disclosures at least 21 days prior to reporting. Failure to provide this notice renders any alleged late payments non-existent and not applicable for credit reporting purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im extremely frustrated by the inaccuracies on my report that are unfairly damaging my scores and blocking my opportunities. These errors have caused unnecessary setbacks, higher costs, and lost chancesthings I shouldnt have to deal with because of mistakes that arent mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
So the company gives you a XXXX dollar threshold so my account as they say went over XXXX as they say but yet on the site it gives you a time before the overdraft fees occur i deposited funds within the time frame they asked in my account its literally below the threshold they provide without the overdraft fees that they applied to the account and they won't remove the fees telling me unless I make a deposit then the fees will be removed but I'm not in the negative

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute certain inaccurate information contained in my credit report. After a thorough review, I have identified items that I believe are erroneous and potentially in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I refer to the provision under 15 U.S.C. 1681n, which provides that if a credit reporting agency willfully fails to comply with the FCRAs requirements for accurate reporting, a consumer may recover statutory damagesup to {$1000.00} per violation. I am asserting that the inaccuracies found in my report may constitute such willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute certain inaccurate information contained in my credit report. After a thorough review, I have identified items that I believe are erroneous and potentially in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I refer to the provision under 15 U.S.C. 1681n, which provides that if a credit reporting agency willfully fails to comply with the FCRAs requirements for accurate reporting, a consumer may recover statutory damagesup to {$1000.00} per violation. I am asserting that the inaccuracies found in my report may constitute such willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: WA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing a charge-off reported by XXXX XXXX on my credit report. The account was opened on XX/XX/XXXX, and has a reported balance of {$6500.00}. The account is marked as a Profit & Loss Write-Off, suggesting that XXXX XXXX has written off the debt and may have received a tax benefit for it. Since this debt is no longer collectible, it should not remain as an outstanding balance on my credit report. 

On XX/XX/XXXX I requested verification of the debt and supporting documentation from XXXX XXXX to prove that the balance is accurate and that they still legally own the debt. However, I have not received a response or sufficient proof to substantiate this debt. Despite my attempts to resolve the matter, the charge-off remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing a charge-off reported by XXXX XXXX on my credit report. The account was opened on XX/XX/XXXX, and has a reported balance of {$6500.00}. The account is marked as a Profit & Loss Write-Off, suggesting that XXXX XXXX has written off the debt and may have received a tax benefit for it. Since this debt is no longer collectible, it should not remain as an outstanding balance on my credit report. 

On XX/XX/XXXX I requested verification of the debt and supporting documentation from XXXX XXXX to prove that the balance is accurate and that they still legally own the debt. However, I have not received a response or sufficient proof to substantiate this debt. Despite my attempts to resolve the matter, the charge-off remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
On several occasions I received multiple overdraft fees while the direct deposit was there. I was told that they had to process in order and even though the direct deposit, would have been applied, I would not have had any fees. I cant understand how you could see my direct deposit, but apply fees first. This happened on several occasions. I complained on transaction that I didnt make which were unresolved after their investigation time. I had to keep replacing my card. Because this happened a long time ago, I couldnt even tell you dates or amounts. I never thought anything would be done about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a phone call from a chase XXXX XXXX, and was asked to transfer my money from XXXX to supposedly my new checking account, asking me to transfer from my old account and put it into a new account, causing me to lose the money via fraud, it was not my new account they convinced me it was legit and that I had to secure a new account since the bank compromised my current checking account and savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
I recently received a copy of my credit report and noticed an address that never belonged to me the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will like this address removed from my credit report immediately. Supporting Documentation To further validate this request, I have enclosed a copy of my identity theft report and multiple forms of identification to verify my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
I have a debt on my credit report from consumer adjustment co. It was on my XXXX. The date it was XX/XX/XXXX. I paid it through C.A.C.I. as when I opened the number provided it was redirected to the C.A.C.I. portal for debt repayment. Here is the number provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had made several payments throughout XXXX XXXX XXXX. Here is my reference number XXXX The initial amount was for more than what XXXX has posted. Roughly XXXX ( I'm not sure if the first payment of XXXX was with an additional fee for credit charges ). 

The amount that is posted currently for this previous XXXX XXXX ( while I was uninsured and actually told they offer a self pay and financial help if uninsured, which was never given and no resources for it provided. I didn't receive the bill but it was sent to collections instead ) the bill is for {$1100.00}. Which i have paid. 
I have disputed this charge several times through XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Nothing was changed or adjusted. Despite me sending proof of payment from C.A.C.I. 
I could never reach the original credit being, XXXX XXXX XXXX XXXX XXXX. There is no posted direct number for them but instead for C.A.C.I.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
On Friday, XX/XX/XXXX, I was looking for a short term loan to help pay a bill just until my next paycheck. I've done this before and usually the cost is nominal. 

I signed up for an account on XXXX, and expected to see the usual Loan Contracts with interest rates and fees, basically the loan contract except I did not see it. I saw XXXX documents that I had to sign, but none of the documents I signed had any loan information that I was seeking. 

I called and spoke to a rep from XXXX, and she said not to worry, that as soon as I sign the documents, there would be a loan contract complete with all the information I need to make a decision on whether to proceed with the loan. The rep specifically stated that the loan will not be finalized until I agree to the loan contract which would be emailed to me. 

I signed the XXXX documents electronically and waited for the loan contract to be sent to my email. 

A few hours later, I see a deposit for {$XXXX} into my account, which I did not ask for nor authorize. I did not even have any information about the loan, why would I authorize this transaction? I checked my email to see if the contract came through, and I did not find anything. I went to my account on the XXXX website, and could not find any terms or conditions of my loan there either. 

I called and spoke with a rep and they explained I would have to mail the company to get a copy of the contract. 

Since they never provided me with said contract in the first place, I wholeheartedly believe this is a clear violation of the Truth in Lending Act, and this is a predatory practice. I wouldn't agree to a loan unless I had all the information. I still do not know the parameters of the loan and the XXXX reps did not provide me with the information even after I asked for it. 

I have had to close my bank account and cancel my debit card to protect my funds from being access by a company whose predatory practices have left me concerned. 

Again, I have not seen or received any loan terms and conditions or contracts. They just sent me money and expect me to pay whatever outrageous fees and interest they want to charge me without me knowing about it. 

I have tried to email the company, and I have given my intent to rescind the loan. But they have not written back to me. It is now XX/XX/year>. Not a single call from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation