vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
information was leaked in data breaches and all of these accounts started appearing on my credit profile

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 
I am demanding an immediate reinvestigation and deletion of the following account from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. 

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation. 
If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed. 

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Upon checking my XXXX bill, I noticed I was charged a {$41.00} fee. When I called to inquire about it, I was told it was because of an annual fee and an account maintenance fee. I asked him what the maintenance fees were for and he said for use of the website and bill payment which other credit cards do not charge. Im charged a {$12.00} account maintenance fee on one account and a {$7.00} account maintenance fee on another, both from Fortiva. The customer service representative could not explain why the charges were different. Paying an annual fee, as well as an account maintenance fee each month and extremely high interest rates made me decide that I no longer wanted those credit cards. I immediately canceled both credit cards. He offered to credit the annual fee and the maintenance fee XXXX time to keep the accounts open. I declined. Their fees have you paying hundreds of extra dollars each year, a XXXX time credit is not enough. When I signed up for the cards, the monthly maintenance fees were not a condition, they were added later. I then asked the customer service representative to credit the annual fee back to the account since I am no longer using the credit cards and he said he couldnt do that. He literally offered it to me in XXXX breath and then declined it in another and said he couldnt do it. I would like my {$29.00} annual fee refunded to the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against WFBNA CARD for reporting inaccurate and inconsistent late payment information on my credit reports with Experian, Equifax, and TransUnion. The account in dispute ( Account # XXXX, opened XX/XX/year> ) reflects multiple late payment codes in the same months, inconsistencies between the current status and payment history profile, and reporting that does not comply with Metro 2 standards. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), and 1681s-2. WFBNA CARD has failed to provide documentation verifying the accuracy of the reported late payments despite my dispute. I request that the CFPB require WFBNA CARD to conduct a full reinvestigation, provide verified documentation, and correct or remove any unverifiable or inaccurate information. The continued inaccurate reporting is harming my credit profile and financial standing.

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 2025-09-14 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: TX

Complaint narrative:
In XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX. App.Houston [ XXXX Dist. ] XXXX ), the court held that an affidavit sworn under XXXX. XXXX XXXX XXXX carries the same force as a notarized affidavit, underscoring the binding effect of perjury statements in Texas. The following accounts were opened without my authorization, directly traceable to the Equifax XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) and have damaged my XXXX score. Under Tex. Bus. & Com. Code 521.052 ( a ), upon submission of an identitytheft affidavit a consumer reporting agency must block records that result from identity theft : 1. Bankruptcy XXXX XXXX. XXXX XXXX. XXXX. Date Filed : XX/XX/XXXX XXXX. XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX These items are unauthorized and must be expunged immediately pursuant to 15 U.S.C. 1681i and Tex. Bus. & Com. Code 521.052 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute fraudulent information on my credit file and to request an immediate block of this information pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 1681c-2 ( Block of information resulting from identity theft ).

I am a victim of identity theft. I did not apply for, authorize, or have any knowledge of the following account ( s ). The listed entity did not have permissible purpose to obtain my consumer report for this account, as any application was fraudulent. 

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 2025-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-09-14 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: TX

Complaint narrative:
I have attached all of my accounts in the attachment along with my id and social security card

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 2025-09-14 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: TX

Complaint narrative:
I have attached all of my accounts in the attachment along with my id and social security card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: AZ

Complaint narrative:
This company filed a NOTICE OF TRUSTEE SALE on my current residence, scheduled for XX/XX/XXXX in XXXX XXXXXXXX XXXX ( attachment to be added to this complaint ) I have rightfully lived in my home since the death of my husband on XX/XX/XXXX. A reverse mortgage was initiated in XX/XX/XXXX. It was a XXXX XXXX MORTGAGE COMPANY LISTED AS XXXX XXXX. At that time I was XXXX XXXX XXXX, my husband was XXXX XXXX XXXX ( XXXX ) was qualified for the reverse mortgage as the borrower. We were both required to attend a XXXX XXXX orientation about a reverse mortgage. We were required to pay annual property taxes, carry homeowners insurance, and attend to repairs/deferred maintenance. 4 days after my husband passed, I received a letter from XXXX XXXX that I had to sale MY HOME! I immediately replied that as the surviving spouse ( XXXX  ), I had the right to stay in the home. For almost XXXX  years I have abided by my designated requirements, in addition XXXX XXXX was passed in XXXX protecting widows and widowers from being forced out of their home because they were not old enough XXXX  years of age to qualify for the reverse mortgage. I am under siege from these predators. After my husband passed I was forced to return to work full time at age XXXX as I could not survive on social security. This is clearly a case of elderly abuse initiated by greedy, ill informed, and malicious tactics of this company! As evidence of this they sent XXXX registered letters, and XXXX uncertified letters duplicating the registered letters for a total of XXXX letters in XXXX DAY XX/XX/XXXX. This is total harassment and a scare tactic based on STATEMENT OF BREACH OR NON PERFORMANCE. Evidence supporting is the contact Corporation is now being portrayed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P : XXXX. All other documents in the letter support XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and there appears to be XXXX entities, including US Bank being excessively aggressive in a matter that should not exist to start with. It appears their primary concern is that the original deed was changed to support Reverse Mortgage stated legal owners and there was not a new owner named that was outside of the legally signed Reverse Mortgage agreement but these aggressive actions act as though there were.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: VA

Complaint narrative:
Someone hacked my cashapp and took {$850.00} out my account leaving me with nothing I cant pay my bills and I might go to jail because I cant pay my child support my cash tag is XXXX XXXXXXXX my email is XXXX Phone number, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GLOBAL SOLUTION BIZ LLC.
State: FL

Complaint narrative:
I am submitting this complaint regarding a suspicious and threatening communication I recently received. The message claims to be from XXXX XXXX XXXX XXXX XXXX, Global Solution Biz LLC and contains the following threats : Sending an enforcement team to my home and business to gather assets. 

Freezing and attaching my bank account. 

Claiming to act under a UCC lien but providing no valid legal documentation. 

The message also included the following contact details : Phone : XXXX XXXX XXXX Fax : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This appears to be a fraudulent debt collection attempt and intimidation scam. I have no business relationship with this company, nor have I pledged assets under any security agreement. 

I request that this matter be investigated for : Potential violations of the Fair Debt Collection Practices Act ( FDCPA ). 

Fraudulent misrepresentation of legal authority. 

Harassment and intimidation. 

I am also reporting this to my local police department for documentation and safety, since the sender threatened an in-person visit to my home and business. 

Please advise on any further steps I should take to protect myself from this type of fraudulent activity. 
Attached : Copy of the threatening communication. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: CA

Complaint narrative:
Debt Validation Request Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/year> Lead Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation under 15 U.S.C. 1692g Dear Lead Bank, I am writing regarding an account you are reporting under the name SELFINC/LEAD with a reported balance of {$170.00}. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

I do not acknowledge or accept responsibility for this debt. Therefore, I request that you provide proper validation of the alleged account, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} Until such validation is provided, you must cease all collection activities, including reporting this account to XXXX XXXX XXXX XXXX. Any attempt to collect without proper validation will be considered a violation of the Fair Debt Collection Practices Act and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals Office. 
Please note that I am keeping detailed records of all communications regarding this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a complaint against Goldman Sachs Bank XXXX Apple Card ) for reporting an inaccurate and inconsistent charge-off account on my credit file. The account ( Account # XXXX, opened XX/XX/year>, balance {$7600.00}, revolving account ) is reported to XXXX XXXX XXXX XXXX with discrepancies in the balance and charge-off status, which violates the Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), and 1681s-2, as well as XXXX XXXX XXXXeporting standards . Goldman Sachs Bank has failed to provide proper verification or documentation supporting the accuracy of the account despite disputes. I request that the CFPB require Goldman Sachs Bank to conduct a full reinvestigation, provide verified documentation of the accounts balance and charge-off status, and remove any information that can not be fully verified. The continued reporting of this inaccurate information is causing significant harm to my credit profile and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I have an American Express XXXX XXXX which has been active for the past 20 years. I pay my balance off every month. In XXXX I was 1 day late in paying my bill which I paid off completely in the amount of {$20000.00}. For this infraction I was charged {$39.00} fee and of {$550.00}. On my XXXX statement American Express has charged me additional fees/interest for the same date infraction which they called " trailing interest '' in the amount of {$310.00}. They have inflicted ridiculous interest on an account which is more than XXXX XXXX XXXX and I pay off every month. I have attempted to speak with a representative called XXXX based in AZ on XX/XX/year> @ XXXX who stated he was not going to remove the trailing interest. This is unfair/ridiculous business practices. Since using the card the rules have been changed and they have added interest to the card which didn't exist prior. I don't know from XXXX month to the next what they will do next. Please advise. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: OH

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXXXXXX 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 2025-09-14 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: GA

Complaint narrative:
My credit report has several accounts that are reporting negatively

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 2025-09-14 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: GA

Complaint narrative:
My credit report has several accounts that are reporting negatively

Company response to consumer: Closed with non-monetary relief