vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
Dear XXXX, I hope this message finds you well. I am writing to inform you that I have contacted the bureau regarding a data breach in which my personal information was compromised. Upon reviewing my report, I discovered that fraudulent information has been reported under my name. 

I have made multiple attempts to resolve this issue, including writing letters and making phone calls to the bureau. Despite these efforts, they continue to insist that the information is accurate, when in fact it is not mine. I wanted to make the XXXX aware of this situation and the steps I have taken to resolve the matter. 

Please let me know if you require any additional information. 

Thank you for your attention to this issue. 

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 2025-03-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
I have reached out to the company holding my private student loan, in which was sold several times. I ask for original documentation because the original loan was one thing and went up to double the amount ( XXXX to XXXX ). No one has responded. This took place in XXXX and XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was XXXX XXXX XXXX XXXX and then was XXXX XXXX. My bills were to be taken care of and when I got out I was told to rest so I was paying the main balance to settle my bills. I got it to a fair amount then interest showed up. I call and then nobody to answer. Then I got a summons even though my bill was getting payment

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account has been closed since XX/XX/year>, still reporting open after filling dispute with company. This account was closed/paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
XX/XX/XXXX I reported fraud to XXXX XXXX, Citi Bank. I provided them with the police report number and a statement of the fraud. I was very clear that my credit card has not been used since XX/XX/XXXX. I am XXXX, XXXX, and unable XXXX XXXX or pick up purchases. When I asked how was this done or what was someone buying they told me they didnt know, but I had multiple charges and linked to an email that wasnt mine. I waited XXXX XXXX for a response, nothing. I called in XXXX and no one knew what I was talking about. I submitted the information again. I waited another XXXX XXXX and nothing again. I called back and they tell me they have no record of me and to call back. I called back and finally get someone that tells me that I am responsible for the fraud and I told them that I am not responsible for someone stealing my information and that I dispute it. No one ever called back. I called again XXXX  XXXX  later and again, no record of my report ; however they finally closed the card for fraud but did not discharge the charges. My credit has went from a XXXX to a XXXX. They are still charging me every month and my amount is still going up and now over {$2000.00}. I have always had XXXX XXXX paying on all of my debts and this is not getting resolved and I am not responsible for theft or identity theft. I want this resolved and removed from my credit.

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 2025-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
am filing this complaint to request verification of an account that has been attributed to my name. I have made multiple attempts to obtain documentation from the company involved, specifically requesting the assignment contract and any supporting documentation that confirms how the account was verified and that it legitimately belongs to me. 

Despite my efforts, the company has failed to provide sufficient documentation or evidence to support the validity of this account. Under the Fair Credit Reporting Act ( FCRA ) and CFPB Regulation F ( 12 CFR Part 1006 ), I have the right to receive clear, detailed, and verifiable information regarding any debts or accounts reported in my name. 

To date, the company has not provided the requested assignment contract or other documentation, raising concerns about the accuracy and legitimacy of the account. I am seeking the CFPB 's assistance in ensuring that the company complies with the applicable regulations by providing all relevant documentation or removing the unverified account from my records. 

Thank you for your attention to this matter.

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 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I got an alert that XXXX XXXX pulled my credit hard request XX/XX/year> this was fraud I asked transunion to remove this from my report and to notify 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 2025-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: GA

Complaint narrative:
There isnt anything on the paper that gives me days just an amount of XXXX that I do not owe to a phone company. Not sure why I have this since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It seems you are drafting a formal request regarding the unauthorized use of your personal information. Below is a revised version of your letter that you can consider using. Be sure to review it to ensure it accurately reflects your situation and includes any additional details you may wish to add. 

-- - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Request Regarding Unauthorized Use of Personal Information Dear TransUnion XXXX XXXX, I am writing to formally address a serious concern regarding the unauthorized use of my personal information. My name is XXXX XXXX, and I have never given permission for TransUnion XXXXXXXX XXXX to use, share, or disclose any of my personal information, including my name, address, or Social Security number, to any third party without my explicit consent. 

This unauthorized use of my information constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as the Gramm-Leach-Bliley Act, 15 U.S.C. 6802. As such, I am requesting an immediate cease and desist from any further use of my personal information. 

Furthermore, I demand that you delete any and all files and records that you have obtained regarding me without my knowledge or consent. It is imperative that all such information is removed from your databases promptly. 

Please be advised that if these records are not removed immediately, I will be prepared to take legal action against TransUnion XXXX XXXX for the violation of my rights and any damages incurred as a result of this unauthorized use of my personal information. 

I expect a written confirmation of the deletion of my information and a response to this request within XXXX days. Thank you for your prompt attention to this matter. 

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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to a XXXX XXXX XXXX XXXX in XXXX XXXX as my cXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon completion of the work I presented my card to the receptionist who ran it, when I saw the receipt and saw that I was charged a higher amount in credit card fees, I asked what this was and they said it was to help cover their cost for the payment processing fees. I told her I wanted to pay cash and not incur these extra fees, so they told me it was just an authorization that they would and that I could pay them in cash. So I went to the atm took out cash and paid them to avoid the fees. I told my bank wells fargo multiple times about what happened, but they dont care to fix it or follow up with me or give me any updates and now a service that should have cost me roughly {$400.00} has cost me over {$800.00} and they wont do anything about it XXXX XXXX XXXX {$410.00} Transaction : XX/XX/year> Posted : XX/XX/year> Merchant info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additional info Method Card Inserted Category Other Auto/Transportation I was charged a higher amount than the invoice said, I immediately cancelled the transaction in the handheld POS while it was processing. The merchant told me it was just an authorization and would be voided and come off my card. 

I went to an atm took out cash and paid in cash. 

Ive fought so long and so hard for what is right. I was scammed out of my money and my bank refuses to protect me. Because of this I have made a point to remove all the money I had in wells fargo, tens of thousands of dollars because they refuse to protect me and refuse to make this right. 

I want to file a claim in small claims court now and they wont even give me the address to do so in XXXX  I just get the run around, and am given dead ends or phone numbers that are disconnected or no longer are in service. Im not going to give up on this its not about the money for me its the principle that wells fargo would rather fight me the customer so hard on a transaction that I caught that was fraudulent mid transaction.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Dear [ CFPB I am writing to formally dispute inaccurate and/or unverifiable information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq. The item ( XXXX ) in question are as follows : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into any disputed item and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. Furthermore, 15 U.S.C. 1681c ( a ) mandates the timely removal of outdated or erroneous accounts. 

As a direct result of your negligence in maintaining accurate reporting, I have suffered financial harm, including denial of credit, auto loans, and higher interest rates, all of which are violations of my consumer rights. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, you may be held liable for willful and negligent noncompliance with the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. 

You have XXXX ( XXXX ) days from receipt of this letter to correct and remove the erroneous information from my credit report. If you fail to comply, I will have no choice but to escalate this matter through legal action to seek full compensation for the financial and emotional damages caused by your noncompliance. 

Please provide written confirmation once the disputed item ( XXXX ) have been removed or corrected. If you believe the information is accurate, provide documentation verifying its validity. Otherwise, failure to act will result in further legal consequences. 

This letter serves as a formal record of my request under the FCRA, and I expect immediate corrective action. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
As per prior complaints against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, there has been mortgage fraud and my house XXXX XXXX XXXX, XXXXXXXX XXXX was seized by XXXX and NewRez, and XXXX XXXX. I have received no funds and no information on why the house was seized and why there was a foreclosure after I attempted to pay off XXXXXXXX XXXX  debt prior to discovering that there were XXXX XXXX XXXX mortgages with my forged signature.

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 2025-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> M & T Bank Customer Service DepartmenXXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX Dear M & T Bank Customer Service XXXX I hope this letter finds you well. I am writing to request your assistance with removing or adjusting the late payments reported on my mortgage account. These late payments occurred during a particularly difficult period when I lost my job, which severely impacted my financial situation and my ability to make timely payments.

Since then, I am happy to report that I have secured a higher-paying job and have regained financial stability. However, I am currently facing challenges in advancing professionally due to the negative impact these late payments have had on my FICO score. Potential employers are now reviewing my credit history, and as a result, I am being turned down for job opportunities despite my improved financial situation.

I understand that I was responsible for making the payments on time, and I deeply regret the inconvenience caused. However, I kindly ask for your consideration in reversing the late payment entries as a gesture of goodwill. This adjustment would provide me with a second chance at a positive credit rating and could significantly improve my ability to move forward with both my career and financial goals.

I have always valued my relationship with M & T Bank and have made consistent, timely payments since overcoming this hardship. I am confident that this issue will not arise again, and I am committed to maintaining a responsible account going forward.

Thank you for taking the time to consider my request. I would greatly appreciate your assistance in removing or adjusting the late payment marks, and I am happy to provide any additional information or documentation if needed. Please feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX loan number

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 2025-03-30 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: DE

Complaint narrative:
To Whom it may concern, The following account is claiming to own the debt with a balance. As you know, this is not possible and also a violation of my rights. Because of this, The account need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. 
When the requested above deletions are made, please mail me an updated copy of my credit report XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: DE

Complaint narrative:
To Whom it may concern, The following account is claiming to own the debt with a balance. As you know, this is not possible and also a violation of my rights. Because of this, The account need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. 
When the requested above deletions are made, please mail me an updated copy of my credit report XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
LAST YEAR XXXX ... ..I PLACED A FRAUD ALERT ON MY XXXX XXXX WHILE I WAS DISPUTING A PREVIOUS MATTER FOR WHICH IS NOW RESOLVED THANKS TO THE CFPB ... ..SINCE THEN ... ..EARLIER THIS YEAR XXXX ... ..I REMOVED ANY AND ALL FRAUD ALERTS FROM XXXX AS WELL AS XXXX... ..PAYPAL CONTINUES NOT TO ALLOW ME TO USE PAY MONTHLY ... ..I STILL HAVE MY CREDIT ACCCOUNT ... XXXX IN XXXX... XXXX.AND TRADITIONAL TRANSACTIONAL CAPABILITIES WITH PAYPAL TO USE WITH NO PROBLEMS ... ..NONETHELESS... ..THE PAY MONTHLY CONTINUES TO DECLINE REFERRING TO FRAUD ALERT????? PLZ ASSIST IN HELPING ME TO USE THIS TYPE OF PAYMENT WITH PAYPAL ..... 

MUCH THANKS ..... 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX credit card closed due to inactivity over XXXX years ago and still on report. 
I don't believe XXXX exists I have been unable to contact for years. 

Sync/XXXX  gas card paid off in XXXX closed early XXXX by XXXX and XXXX being reported XXXX XXXX Account paid in full XX/XX/XXXX after being charged off in XXXX. XXXX promised to remove account from reporting services since I paid in full. It needs to be removed XXXX Bank Account my now deceased wife XXXX XXXX opened. Was settled during probate, but is reported as charged off in in 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 2025-03-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as formal notice of dispute under FCRA 1681s-2 ( a ) ( 1 ) ( B ), requiring an immediate and lawful response regarding the late payment ( XXXX ) reported on my credit file. The reported information is inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ). 
I demand an immediate investigation and correction under FCRA XXXX and XXXX XXXX guidelines via e-OSCAR using the appropriate Compliance Condition Codes ( CCC ). 
XXXX. Accounts in Dispute I am formally disputing the following accounts due to inaccurate and unverifiable late payment reporting. For each account listed below, I demand that the original, time-stamped payment records be provided to verify the accuracy of the reported late payment ( XXXX ). 
If the data furnisher fails to provide this documentation, the late payment ( XXXX ) must be deleted immediately in compliance with the FCRA. 
Creditor Name : [ XXXX Mortgage Services Account Number : XXXX Disputed Late Payment Date ( XXXX ) : XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX Reason for Dispute : Unverified Late Payment, Failure to Provide Time-Stamped Records, Incorrect Reporting, Lack of Proper Documentation, FCRA XXXX Violation For each of these accounts, the burden of proof is on the data furnisher to provide complete and original, time-stamped payment records. If these records can not be produced, the late payment ( XXXX ) must be deleted immediately per FCRA 1681i ( a ) ( 1 ) ( A ).

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