vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer XXXX credit report, which I do not recognize and believe to be the result of identity theft and fraud. This fraudulent account consists of a collection account opened at XXXX XXXX on XX/XX/year> under account number XXXX. This unauthorized account has led to several fraudulent hard inquiries and illegitimate collection activity appearing on my credit file. I demand that this fraudulent item be permanently removed from all of my consumer credit reports and that any and all collection activity related to this account immediately cease, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the CREDIT BUREAU 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. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: IN

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TN

Complaint narrative:
I am a victim of identity theft, after noticing unauthorized charges on my debt credit i aso notice that i have numerous of accounts on my credit report that are not mine and realize i have been an victim of identity theft for multiple years without my knowledge from looking over my credit report these charges and fraudulent accounts are causing me the inability to financially provide for my family and self well being.

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 2025-05-08 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: IN

Complaint narrative:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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 2025-05-08 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: FL

Complaint narrative:
Subject : Complaint Against Wells Fargo Overdraft Fees Charged Despite Opt-Out To Whom It May Concern, My name is XXXX XXXX XXXX and I am submitting this formal complaint against Wells Fargo Bank , N.A . regarding their overdraft practices, which I believe are deceptive, predatory, and in violation of the spirit of federal consumer protection standards. 

I previously opted out of Wells Fargos overdraft coverage, which, according to their disclosures, should prevent any transactions from being authorized when there are insufficient funds in my account. However, I recently incurred multiple {$35.00} overdraft fees, even though I had opted out. When I contacted the bank, I was informed that Wells Fargo reserves the right to approve or deny transactions at their discretion, including recurring charges, regardless of my opt-out status. 

This renders the opt-out process meaningless and misleading, giving consumers a false sense of security while still allowing the bank to process transactions and charge excessive fees. I believe this practice is intentionally designed to generate overdraft revenue at the expense of vulnerable customers, particularly in times of financial hardship. 

Wells Fargo appears to be engaging in practices that : Violate the intent of opt-out protections under federal law. 
Lack transparency and mislead consumers. 
Prioritize revenue from fees over fair and ethical banking. 

I respectfully request that the Consumer Financial Protection Bureau investigate Wells Fargos overdraft policies and practices, particularly their treatment of recurring transactions after a consumer has opted out. Additionally, I ask for assistance in obtaining a full refund of the overdraft charges applied to my account under these circumstances. 

Consumers deserve honesty, consistency, and protectionnot discretionary loopholes that result in unjust financial harm. 

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 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: NV

Complaint narrative:
On XX/XX/2020, I endorsed a Direct PLUS Loan for my mother, serviced originally by Nelnet. 

During the federal student loan servicing transition in XXXX, our loan was transferred ( or split ) to XXXX. This was terrible timing as the CARES Act was put into effect on XX/XX/2020 and extended multiple times throughout the years. 

My mother did not receive any notification or correspondence regarding the servicer change, which is required by federal regulations. 

My sister, who was making the payments, was unaware of the transfer and thus missed payments on the portion managed by NelNet. 

These missed payments were reported to the credit bureaus, negatively impacting both my mothers and my credit reports. 

We only became aware of the issue upon reviewing our credit reports. 

My sister immediately set up autopay to bring the accounts current, but the late payments remain on our credit reports. 

As the endorser of this Direct PLUS Loan, I understand that my obligation is to repay the loan if the borrower fails to do so. The Addendum to the Master Promissory Note ( MPN ) that I signed repeatedly states, an endorser is someone who agrees to repay the Direct PLUS Loan if the borrower does not repay the loan. It also specifically notes : If the borrower of a Direct PLUS Loan becomes delinquent in making payments or defaults on the loan, we may also report your name to consumer reporting agencies in connection with the delinquent or defaulted loan. The use of the word may indicates that reporting my name for delinquencies is discretionary, not mandatory.

In my case, the borrower did not default on the loan ; there were only late payments due to a lack of notification during a servicer transition. I was never notified of the delinquency or given an opportunity to bring the account current before negative information was reported on my credit. Given the discretionary nature of reporting as outlined in the MPN, and the fact that I was not afforded a reasonable opportunity to address the situation, I believe it is unfair and inconsistent with the spirit of the agreement to have my credit negatively impacted under these circumstances. 

I have a strong history of on time payments, and if given the chance and proper communication, I would have kept the account status current, thus preventing any delinquency on my credit report as well as my mother 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I havent had my capital one credit card for too long but since having it all Ive had is issues. It first started a couple of months ago to where my payments were due, I would have the money available in my bank account for them to take, they would take it from my account & then return it and charge me a late fee. I contacted them about it and the issue resolved for a little while, the past two weeks theyve been doing the exact same thing of taking the money from my account, returning it & charging me multiple late fees when the money has been available for them to take. So at this point theyve stolen money from me for late fees when the money is there. Then, just a few days ago they closed my account without my knowledge, no one reached out to me about anything, and theyre still actively pulling from my bank account and charging me late fees. I spoke with one of their representatives on the phone and was pretty much told Theres nothing I can do about it, I wasnt using the card in the way they wanted me to and I can reapply if id like I would like them to stop charging my card, stop charging me for late fees and fully close my account because I am losing more money for absolutely no reason. Ive never been late on a payment, them retiring the money back to me & accusing me of being late and taking out so many late fees and closing my account without my knowledge which will also affect my credit score is so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
This complaint addresses XXXX XXXX XXXX violation of federal law. They are reporting and attempting to collect a vehicle-related debt allegedly assigned from XXXX XXXX. 
The name XXXX XXXX XXXX is not a consumer, it is a copyrighted trust estate. The actions violate : FCRA 15 U.S.C. 1681 ( unlawful reporting ) FDCPA 15 U.S.C. 1692 ( deceptive collection ) GLBA improper use of private identifying data Requested Resolution : Stop all collection, remove reports, and acknowledge the superior secured interest of the Trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This situation has been incredibly stressfulout of nowhere, Im being chased over a debt I dont recognize, wasnt verified, and simply doesnt belong to me. Ive been getting contacted nonstop through multiple channels, even facing legal threats, which has completely disrupted my peace of mind. As someone who follows the law and respects my financial obligations, this experience feels like a violation of my rights. Its been affecting my sleep, my mental health, and my ability to live normally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
FRAUDULENT 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: OH

Complaint narrative:
My APR on XXXX is 179 %. I had no idea that it was that high. I cant afford to pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
I am sending to formally address a late payment reported on my credit file for the accounts listed above. The late payment appears on my credit report and is negatively affecting my creditworthiness. I respectfully request a review and correction of this late payment under the applicable provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

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 2025-05-08 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: AL

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft. 

The fraudulent accounts include : XXXXXXXX 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 XXXXXXXX These accounts were added without my consent, and I had no participation in initiating 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to me I am writing to dispute multiple unauthorized hard inquiries that appear on my Equifax , Experian , and TransUnion credit reports. I did not apply for credit with these companies, and I believe these inquiries are the result of identity theft or misuse of my personal information. 



The following inquiries were made without my knowledge or consent and now appear across all three credit bureaus : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX I am requesting that these inquiries be immediately removed from my credit files. I did not authorize or initiate any of these applications, and they are negatively impacting my credit standing. 



This letter is being submitted alongside an FTC Identity Theft Report, a copy of my government-issued ID, a recent utility bill for address verification, and screenshots of the affected credit report data. 



Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, consumers have the right to block information on their credit report that resulted from identity theft. I am invoking that right and requesting that these inquiries be blocked and permanently deleted from my file. 



Thank you for your immediate attention and compliance.

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 2025-05-08 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to me I am writing to dispute multiple unauthorized hard inquiries that appear on my Equifax , Experian , and TransUnion credit reports. I did not apply for credit with these companies, and I believe these inquiries are the result of identity theft or misuse of my personal information. 



The following inquiries were made without my knowledge or consent and now appear across all three credit bureaus : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX I am requesting that these inquiries be immediately removed from my credit files. I did not authorize or initiate any of these applications, and they are negatively impacting my credit standing. 



This letter is being submitted alongside an FTC Identity Theft Report, a copy of my government-issued ID, a recent utility bill for address verification, and screenshots of the affected credit report data. 



Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, consumers have the right to block information on their credit report that resulted from identity theft. I am invoking that right and requesting that these inquiries be blocked and permanently deleted from my file. 



Thank you for your immediate attention and compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am disputing late payments being reported on my ComenityBankXXXX XXXX account for the months of XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX. I was never made aware that a payment was due during these months. I did not receive billing statements, nor was I alerted in any way that the account was delinquent. If there was a payment delay, it was most likely due to an internal error in crediting the account or a processing delaynot a failure to pay on my part. 

Despite multiple disputes, ComenityBank continues to report these months as delinquent, and the credit bureaus have responded with automated template responses that the account was verified as accurate, without disclosing any method of verification or providing documentation, violating FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 

In XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the court clearly held that credit bureaus and furnishers have an obligation to do more than just rely on automated ACDV responsesthey must independently verify disputed data. 

Additionally, the continued reporting of these lates, without billing evidence, fails to comply with XXXX XXXX standards and the requirements of FCRA 623 ( a ) ( 1 ) ( A ). The inconsistent reporting across credit bureaus also creates a misleading narrativeone that violates FCRA 607 ( b ). 

Relevant supporting case law includes : XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) Held that reporting false or misleading data, even if partially accurate, is a violation of the FCRA. 

XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Clarified that data furnishers can be liable under XXXX if they fail to conduct a meaningful investigation or report inaccurate data following a dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) Found that failure to maintain reasonable procedures to ensure maximum accuracy constitutes willful noncompliance with FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Affirmed that failing to correct obvious errors after a consumer dispute can result in FCRA liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Reporting lates without proper documentation of notices or billing violates FCRA obligations.

The repetition of these late entries, without proper verification, not only harms my credit profile but opens ComenityBank and the bureaus to liability under FCRA 616 and 617 for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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