vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
In XX/XX/year> I received a letter telling me to pay XXXX XXXX XXXX XXXX dollars to avoid a debt collection judgement. In the letter XXXX XXXX said if I paid the XXXX XXXX dollars I would not have to appear in court. I did not pay the XXXX XXXX dollars. Instead I wrote to the court. In a letter I told the court I had filed IC XXXX reports and XXXX XXXX XXXX XXXX XXXX about fraud and money that I was scammed out of. I told the court I was disputing the validity of the debt and I asked for a continuance to retain legal counsel. I also told the court that I feel as though the Judgement was being filed in retaliation for reporting Liberty.edu for participating in a Direct Plus Student Loan Scam. TD BANK USA, N.A. XXXX XXXX XXXX XXXX XXXX XXXX filed a debt collection judgement in the amount of XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. I hereby dispute the validity of the debt due to ongoing disputes about fraud connected with my financial accounts and financial resources. XXXX and its banking affiliates openly participated in an educational rights betrayal scamming me out of approximately XXXX XXXX XXXX XXXX dollars and then financially suspending me as an Honorary Doctoral Candidate when I would not comply with their demands. A demand they made was in order for you to graduate you must take out private student loans. XXXX University charged me going on XXXX times for the same XXXX XXXX XXXX. As a result of XXXX. XXXX refusing to award my XXXX and correctly providing my budget components I have suffered severe financial hardship. I have been going through the educational rights betrayal for a little over XXXX years now with the financial aid scam surmounting to close to XXXX XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-30 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: CA

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally report my ongoing issues with Bank of America XXXXegarding poor customer service and unprofessional handling of my transaction claim. I hope your office can assist me in resolving a distressing situation that has arisen from a charge related to a hotel booking made through XXXX. 

On XX/XX/year>, I noticed a transaction error shortly after it occurred and promptly contacted Bank of America within XXXX minutes to dispute the charge and request that payment be stopped to XXXX Despite my timely notification, the bank proceeded to authorize a charge of {$240.00}, Claim number : XXXX which I believe to be fraudulent as I did not utilize any services for this merchant. 

Over the past XXXX months, I have repeatedly followed up with Bank of America about this issue, yet I have received little assistance. The bank has consistently claimed they are " working on it '' but has requested that I provide documentation of the transaction. I believe it is the responsibility of Bank of America to obtain the necessary proof that I utilize any services from XXXX to validate the charge, rather than placing the burden on me as the consumer. 

The lack of resolution and professionalism displayed by Bank of America has been disheartening. I suspect that their reluctance to refund my money stems from my use of a debit card, leaving me vulnerable to errors and misleading charges. I do not have the financial means to hire a lawyer to pursue this matter further, which is why I am seeking your assistance. 

I kindly request that your department intervene in this dispute between myself and Bank of America. I am looking to recover the unauthorized charge so that I can direct those funds toward essential family expenses. 

Thank you for your attention to this matter. I appreciate any help or guidance you can provide. 
this is XXXX party website : XXXX : XXXX? XXXX & XXXX % XXXX Sincerely, XXXX XXXX XXXX Claim number : XXXX with Bank of America

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 2025-05-30 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:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
These XXXX XXXX Since they didnt get the first complaint I have to do another complaint. They call and write on the first when I get my federal law a 15 day grace period. So they should NOT BE SENDING OR CALLING TILL AFTER THE XXXX! I sent a fax on the 27 reminding them of this and that they will receive the money by the XXXX. Especially that I am actually getting donations to help with this so when I get the money youll get the money. If you want the money you will work with me and not against me youre nothing but a XXXX treating me like a 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 2025-05-30 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: IL

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NC

Complaint narrative:
2 International wires were made XX/XX/year> and I have not received the money. 
Sent from XXXX XXXX {$3000.00} and XXXXXXXX XXXX {$1000.00} to America First Credit Union XXXX XXXX XXXX XXXXXXXX XXXX The intermediary bank is holding the funds for no reason. XXXX is not willing to contact XXXX XXXX their contracted intermediary bank to trace the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CarMax, Inc.
State: TX

Complaint narrative:
This complaint to CARMAX AUTO FINANCE was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
XXXX tanked my score sue to information from the XXXX XXXX Aidvantage. I called the dept to inquire and they said they didnt have a payment on file for the whole time that the account has been opened. Meanwhile, it has been paid since it opened with no form of payment on the loan. There is no way to verify the payments were made. The last 3 months it has gone unpaid without me being notified. I called the Dept and told them the information they are reporting was incorrect and they gave me a Good Standing Letter that I sent to XXXX to use for a dispute and XXXX  still hasnt fixed it. This an issue they have already gone to court about and it still isnt fixed. They are not actually helping fix the dispute and are not accurately receiving up to date information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: OK

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
There are fraudulent unauthorized credit inquiries on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
After a reasonable o

pportunity to inspect the goods l wanted to communicate about the default in the installment contract which is materially defective and incorrect causing a default to payment. I peacefully requested a default balance and for them to investigate for any wrongdoings, any type of default into the installment contract so that any important information may be obtained and deemed necessary to c u r e s a i d default. Also, after a reasonable opportunity to inspect the goods related to the agreement I believe there is a possible mistake on the statement and error on the account. I attempted to return and rightfully reject the good. I requested that they inspect it for missing terms, provisions and requirements for payments in accordance with the agreement and have the non-conformity seasonably cured These we're two separate messages, however it was combined by NFCU Please see the attached documents from Navy Federal Credit Union response and the response from the individual that was sent via XXXX Next Day to XXXX XXXX XXXX as instructed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-30 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: TX

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-30 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: DE

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I demand their blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report 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 XXXXXX/XX/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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account stems from a dental procedure I arranged with a vendor called XXXX XXXX, which was financed through XXXX XXXX. According to my written contract, I was supposed to receive white XXXX XXXX XXXX Instead, I was given XXXX XXXX XXXX XXXX, which were not what I paid for. 
I then filed a claim with XXXX XXXX, explaining the situation and asking them to investigate the matter particularly by obtaining mXXXX XXXX XXXX, which would clearly show the difference in services rendered. XXXX XXXX refused to investigate and responded by stating I was responsible for the loan repayment. 

This account is now damaging my credit report, even though I did not receive the product I contracted for and have clear evidence of vendor misconduct.

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