vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT 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 2025-05-10 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX * * * * * - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX  XXXX * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion

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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Formal Complaint Against Bank of America Unfair Credit Line Reduction Following Card Approval To Whom It May Concern, I am writing to submit a formal complaint against Bank of America regarding their unfair and damaging credit management practices as evidenced in the letter I received dated XX/XX/year>, with Reference Number XXXX. 

While I was initially informed that I had been approved for a Bank of America XXXX XXXX XXXX XXXX XXXX card with a {$4000.00} credit line, the approval came at the expense of a reduction in the credit limit on an existing account ending in XXXX, which was lowered to {$2000.00} with a cash credit line of {$390.00}. 

Details of the Complaint : 1. Unnotified and Punitive Action : The letter states that Bank of America adjusted the amount of credit available on your other account ( s ) listed below so we could approve your new card.

At no point during the application process was I informed that receiving approval for the new card would trigger a forced reduction in credit limits on other active accounts.

2. Negative Impact on Credit Utilization Ratio : By decreasing my available credit without my consent or advance notice, Bank of America increased my credit utilization, a factor that directly affects credit scores. This has an adverse and unfair impact on my financial reputation, particularly when I have maintained a responsible payment history. 
3. Contradictory and Misleading Reasoning : The justification given includes vague, generalized statements like you werent fully using your available credit and you have, or recently have had, a sufficient number of accounts with us.

These criteria are subjective and discriminatory, especially when used to justify a downgrade of an existing account in order to approve a new one. This practice creates a zero-sum outcome for the consumer, which is neither fair nor transparent.

4. Consumer Misinformation : The approval of the new credit card appeared beneficial on the surface, but the real impact was the downgrading of existing creditsomething not disclosed during the application process. 
This is especially problematic because consumers like myself are being led to believe they are being extended additional credit, when in reality they are only having existing credit shifted or reduced.

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 2025-05-11 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: 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, CHALLENGED OR NOT.

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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I had my Chase bank account compromised back on XX/XX/year> in the amount of XXXX and the bank told me that I would be issued a credit within XXXX days for that amount and I have not received anything from the bank I called the bank to let them know hey what's going on about my account and they told me they credited my account back on the XXXX well when they said that it wasn't a credit for my unauthorized charges so I don't see any credit in my account for the amount I'm negative {$22.00} in my account and they will not replace my money because they said that they already did and they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
XX/XX/year> Mohela purposely changed my log in info and avoided calls. Resulting me in default. Needed to get a hold of them to update my email address for log in. I have checked with Studentaid.gov site to see my amount and is completely false! Mohela is corrupted and needs to be held accountable!.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been a loyal customer of Wells Fargo for over five years, utilizing their services for both personal and business banking needs. However, I have encountered ongoing frustrations with their check-holding practices. Despite verifying that funds have been debited from the issuers account, Wells Fargo consistently places extended holds on deposited checks. This has repeatedly required me to contact both the check issuer and their bank to resolve the matter, creating unnecessary delays and inconvenience. 

Most recently, Wells Fargo held an XXXX XXXX  {$85000.00} check XXXX XXXX  even after confirmation that the funds were available in the issuers account. Such practices are disruptive to cash flow and place an undue burden on customers. I would appreciate clarification on these policies and a resolution to prevent similar issues in the future.

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 2025-05-10 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: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX removed from being reported to all XXXX major credit reporting agencies in XXXX because they couldn't verify the account and transactions. Now XXXX XXXX XXXX account # XXXX original creditor XXXX bank is reporting a fraudulent account and transactions that were unverified by Indigo / XXXX XXXX and also were supposed to be covered by the credit protection program that I paid every month for over a year. I got detained at the XXXX XXXX detention center on XX/XX/XXXX to XX/XX/XXXX when I was released. I immediately contacted XXXX XXXX credit to inform them that my tablet and wallet was lost when I got arrested on XX/XX/XXXX and any transactions after that date were fraudulent. I only had a small balance on my indigo account of XXXX $ that should of been covered by my credit protection that I've been paying on for over a year all my payments with indigo/ Concora Credit was XXXX XXXX time and I always kept my balance low with my account. Under the FAIR CREDIT REPORTING ACT, I AM NOT RESPONSIBLE FOR FRAUDULENT TRANSACTIONS AND I PROVIDED PROOF I WAS INCARCERATED AT THE TIME OF THESE TRANSACTIONS AND PROVIDED A POLICE REPORT TO SUPPORT THE FACT THAT THESE WERE FRAUDULENT TRANSACTIONS THAT WERE MADE WITHOUT MY KNOWLEDGE. XXXX credit and XXXX bank proceeded to charge my account every fee they could possibly charge my account with knowing I proofed I was incarcerated and unable to pay my account. XXXX BANK AND CONCORA CREDIT ARE JUST LIKE SCAMMERS THAT CHARGE FEES For NOTHING AND DONT HONOR THEIR CREDIT PROTECTION POLICY. 
PRUSUANT TO FCRA SEC XXXX I REQUEST XXXX BANK AND XXXX XXXX XXXX VERIFY AND CONFIRM TRANSACTIONS ON ACCOUNT XXXX ACCOUNT XXXX AND REMOVE AND BLOCK THIS ACCOUNT FROM BEING REPORTED TO EXPERIAN AND EQUIFAX AND ANY OTHER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: EQUIFAX, INC.
State: DC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to formally dispute inaccuracies in my credit report that are significantly impacting my financial stability. My report currently lists XXXX accounts in collections ; however, XXXX of these have been deleted and should no longer be appearing. 

Specifically, XXXX XXXX XXXX and XXXX are erroneously reported as collections items. These inaccuracies need to be corrected immediately to ensure my credit report reflects accurate information. 

Please review and update my records as soon as possible. If you require any additional information to expedite this correction, please let me know. 

I appreciate your prompt attention to this matter and look forward to your response.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out to formally dispute inaccuracies in my credit report that are significantly impacting my financial stability. My report currently lists XXXX accounts in collections ; however, XXXX of these have been deleted and should no longer be appearing. 

Specifically, XXXX XXXX XXXX and XXXX are erroneously reported as collections items. These inaccuracies need to be corrected immediately to ensure my credit report reflects accurate information. 

Please review and update my records as soon as possible. If you require any additional information to expedite this correction, please let me know. 

I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-05-10 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
WAKEFIELD & ASSOCIATES KEEPS HARASSING ME ABOUT A DEBT THAT WAS NEVER MINES. I HAVE MADE SEVERAL DISPUTES IN REGARDS TO THIS MATTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
To : XXXX XXXX XXXX XXXX : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$4600.00} from XXXX / XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, 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