vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this formal complaint against the national credit reporting agencies to their failure to comply with my legal rights under the Fair Credit Reporting ACT ( FCRA ), specifically Section 605B/ 15 U.S.C. 1681c-2. My Identity Theft Report ( FTC Report # ), government issued-ID and proof of address were submitted to the credit bureaus. Despite this, they have failed to give me access to my EQUIFAX ACCOUNT block and remove the all items that are fraudulent accounts and personal information within the XXXX business days required required by law. This continued reporting of false information is a direct violation of federal law. Under FCRA 605B, the credit bureaus are not permitted to reinvestigate this information once a valid identity theft report has been submitted. They are legally obligated to block the information and send me corrected reports withinXXXX calendar days. Their failure to comply is not only negligent but also willful. I am requesting your urgent intervention to enforce the law and ensure the immediate and permanent removal of all fraudulent data. I am also requesting an investigation and pentalties for each violation, as allowed under the FCRA.

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 2025-05-19 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Paid my loan off on XXXX, XXXX  and was told I would receive my title in XXXX days. Called after and was told it would be XXXX  days and after that called and was told XXXX  days. Was given a-date of XX/XX/XXXX, called on XXXX and was told it would be another XXXX  days before they would release my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX  XX/XX/XXXX, I received a text from Regions about a transaction for {$620.00} at XXXX XXXX asking if that was from me. I immediately said no and they closed my card. 

I noticed there were several other suspicious transactions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX, XXXX, XXXX, and XXXX. I immediately disputed all of these transactions and filed a police report. I also reached out to each of the XXXX sellers, since the person who made these fraudulent purchases also shipped them to my address, but no one has responded to me. I reached out to XXXX XXXX and received no response. 

I just received a letter from my bank today, XX/XX/19 that they are not going to credit the amounts for everything I mentioned above because " the transactions appear have to been authorized ''. Why would the bank send me a text confirming if a charge was made by me if they thought it was legit? I most certainly did not authorize any of these transactions and the bank should be able to determine this if they backtrace the IPs of where the transactions originated. I feel they didn't do enough or their fraud systems are not good enough because THIS WAS NOT ME. I will be disputing the charges AGAIN and I will be talking to the bank, but I want to get this complaint documented.

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 2025-05-19 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: MD

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-19 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:
Consumer Name : XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2025-05-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I fell victim to a phishing scam. I was called by someone impersonating a Wells Fargo Employee on XX/XX/year>. I was told that someone was trying to wire transfer money to another state. The man did convince me to remove XXXX dollars from my checking and savings. He was able to put digital cards onto my Wells Fargo app. During the scam with my checking and savings, this person managed to do a cash advance on my credit card of {$8500.00} plus the fee for the advance, while I was logged into my account using facial recognition. I have filed a police report and an FBI report. I have also contacted the FDIC about Wells Fargo. Wells Fargo will not let me reopen my claim or appeal it in any way.

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I received a letter addressed to my correct name attempting to collect a debt owed to Toyota Financial Services in the amount of {$12000.00}. The name of the company on the form is XXXX XXXX XXXX. 

The address they have listed on the form is : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This is not my debt. 
I am not a resident of the state of Texas. 
I have never owned or registered a XXXX in any state. 
I have never done business with Toyota Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I am an XXXX XXXX XXXX  member currently XXXX XXXX XXXX. Under XXXX  state law ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX can not be charged more than XXXX XXXX interest on any loan originating before or after they enter XXXX XXXX. My loan is currently at XXXX XXXX. I called American Express on XX/XX/year> and was told they would refund me the interest rate difference within XXXX  days. On XX/XX/year> I called again and was told that the max rate was XXXX XXXX ( which is untrue based on the URL above ) and that they were unable to change it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the Equifax Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Equifax credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 

XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Account Number : PXXXX 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information on my XXXX credit report. I have disputed multiple accounts in writing with XXXX and requested investigations under the Fair Credit Reporting Act ( FCRA ), but the information remains unresolved or unverifiable. 
Account charged off with a balance of {$13000.00}. I do not recognize this debt and requested verification. No documentation was provided. 
I mailed dispute letters and included proper identification. As of today, I have not received sufficient responses verifying these debts. This may be a violation of FCRA 611 and 623. I am requesting your assistance to have these inaccurate and unverified items investigated and removed if validation can not be provided.

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 2025-05-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
I closed on a XXXX line of credit loan XX/XX/XXXX. I was advised to use a maturing CD to pay the loan expenses that were paid by this loan, because it would be a better investment return than current CD rates. I wired the payment XX/XX/XXXX. A little over XXXX  days after closing on the loan. 
I had to have the XXXX  XXXX  XXXX  XXXX, XX/XX/XXXX and requested a draw from the LOC. I was told that the loan had been closed XX/XX/XXXX. 
I never requested or authorized this, nor was I notified this was done. 
I understand that default occurs if I don't " maintain the property, remain the owner, occupy the home or pay the property charges timely. '' I was never told that I also had to maintain an unpaid balance on the loan. 
Neither my HUD counselor, nor the mortgage brokers were aware of this policy. 
I am now out-of-pocket {$24000.00}. 
This product is marketed as something that will provide the XXXX  with financial security ; when in fact it is apparently a predatory industry operating a sophisticated shell game.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

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 explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-05-19 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 am submitting this formal complaint against EQUIFAX for reporting an account from XXXX XXXX XXXX  that is inaccurate, unverified, and potentially the result of identity theft. The account in question, listed under the Account number XXXX and reported as opened on XXXX XXXX, 2020, does not belong to me. I have no knowledge of this account, never opened it, and have never maintained any form of financial relationship with XXXX XXXX XXXX. Its presence on my Equifax credit report is unwarranted, harmful, and unlawful under the Fair Credit Reporting Act ( FCRA ). 

I have submitted a formal dispute and reinvestigation request to EQUIFAX in accordance with FCRA 1681i, and have also provided an FTC Identity Theft Report ( No. XXXX  ) substantiating my claim. Despite this, EQUIFAX has failed to produce any documentation verifying the validity of the account. No signed contract, application, or statement proving my responsibility has been presented. Additionally, EQUIFAX has not demonstrated that XXXX XXXX XXXX had a permissible purpose for obtaining or furnishing my credit information, as required by FCRA 604 ( a ).

This account appears to be the result of fraudulent activity using my personal identifying information. As such, I am demanding that EQUIFAX immediately block and remove this account from my credit file in accordance with FCRA 605B, which requires credit bureaus to block identity theft-related accounts from consumer files upon receiving proper documentation. The continued reporting of this fraudulent account has caused significant and ongoing damage to my credit rating and personal financial stability.

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate EQUIFAXs failure to comply with federal law and compel the bureau to permanently delete the XXXX XXXX XXXX account from my file. I also request written confirmation of the deletion and copies of all documentation, if any, used in EQUIFAXs decision to maintain the account on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Since long time ago XXXX cant access to my online banking, I called today to the callcenter and the answer was go to a branch for further assistance. Im not XXXX resident, I live in XXXX so I need to know what is going on with my account and with the balance I have on 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 monetary relief