vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
To the CFPB Complaint Division, This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the wrongful foreclosure and sale of my property at XXXX XXXX XXXX XXXX, XXXX, PA XXXX -- which Wells Fargo sold during my incarceration, despite my long-standing financial interest, loan modification efforts, and attempts to settle the debt. 
Although the mortgage was under the name XXXX XXXX, she did not pay a single dollar toward the property in the 19 years we owned it together. I personally made all payments, paid all taxes, handled all maintenance, submitted a {$14000.00} loan modification, and secured a notarized deed signed over to me years before foreclosure. I was the sole financial contributor and rightful equitable owner. 
In late XXXX, shortly before the sheriff sale, I offered {$18000.00} to satisfy the balance. That offer was ignored. 
The property was ultimately sold for {$19000.00} -- during a time when the XXXX foreclosure moratorium should have applied. I received no notice, was never served, and had no opportunity to redeem the property. 
After my release in XX/XX/XXXX, I attempted again to resolve the matter and was repeatedly denied access to any information. 
That same parcel has since been demolished and redeveloped into XXXX townhomes with an estimated combined value of over {$1.00} XXXX. I was wrongfully removed from a property I fully paid for, developed, and maintained -- a property I intended to build upon myself. Now, others are profiting from the land I carried for nearly XXXX decades, with no compensation or remedy provided. 
Therefore, I am demanding : XXXX. XXXX settlement compensation in the amount of {$1.00} XXXX, reflecting the current market value of the property you unlawfully sold and the development profits now derived from it, or XXXX. A legally enforceable action to restore ownership, title, or a controlling share in the developed project. 
If I do not receive a formal response within XXXX calendar days, I will initiate legal action in federal court for wrongful foreclosure, unjust enrichment, bad faith denial of settlement, COVID-era violations, and equitable conversion.

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 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: MD

Complaint narrative:
XXXXI have never ever had an account with True Accord nor have I ever had an account with XXXX XXXX XXXX. They sent a harassing email to my account referencing XXXX XXXX. My name is not XXXX XXXX  yet they send me debt collection notices bothering me. It is a scam, saying a debt is owed for XXXX XXXX XXXX XXXX for a account ending in XXXX  which I do not have a XXXX XXXX. It lists the address as XXXX XXXX XXXX in VA and I live in MD another flag that this is a scam. Citing XXXX is owed as of XX/XX/XXXX. The scammer is asking that I dispute this debt by XX/XX/XXXX asking me to click on a link so they can still my private information\n\nTrue account number they reference unknown to me XXXX\nphone XXXX XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX KS 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I did not apply for any credit, nor did I authorize anyone to run a credit check on my behalf. These inquiries are completely illegitimate, and their presence on my credit report is both inaccurate and unacceptable.

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 2025-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I made two payments to a merchant for an XXXX XXXX for a total of {$1100.00} ( {$920.00}, {$180.00} ). The reservation for my XXXX XXXX  is XXXX ( as shown on the attachment ). 
However, the merchant denied me to receive their service. 
I initiated the dispute with my bank ; thus the merchant agreed to refund the total amount of {$1100.00} through my bank. 
I contacted my bank ( Capitol One ) to inform them about the settlement from the merchant but they refused to reinstate my money. 

The merchant clearly stated that : " Please note that the card payment will be refunded by your Card Issuing Bank, please coordinate with your Financial Institution for further assistance. '' XXXX XXXX is a thief financial institution and they should be punished for their financial crime. 

The attachment documents are : - The response from the merchant where they said the money will be refunded to my original form of payment - The receipt for the airline ticket that I bought through the airline - The response from the bank where they denied to reinstate the money to mu bank account for my first installment ( {$920.00} ) - The response from the bank where they denied to reinstate the money to mu bank account for my second installment ( {$180.00} )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX, According to the fair credit reporting act 15 USC 1681 section 602a states there is a need to ensure consumer reporting agencies exercise their responsibility with fairness, partiality, and the consumers respect to privacy. Equifax, and Experian are consumer reporting agencies, and I am the consumer. I have a right to make sure my private information is not shared which is backed by 15 USC 6801 which states it is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of all its customers and also to protect the security and confidentiality of their nonpublic information. ( Furnisher of information to the credit agencies ) is financial institution under said title. 15 USC 604a section 2 states in general subject to subsection c any consumer reporting agency may furnish a report under said circumstances and no other : in accordance with written instructions from the consumer to whom it relates. Also ( furnisher of information to credit agencies ) the XXXX XXXX and the credit reporting agencies Equifax, and Experian doesn't have my consent nor authorization to furnish this information, and I know for a fact that they don't have my written consent. 

The debt was formally XXXX which releases me from any obligations to would be creditor : IRS XXXX and XXXX on file supports this. Please block this information from my credit file : In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, endorser, or guarantor for him. '' Farmers and XXXX Bank XXXX XXXX XXXX ' XXXX Bank, XXXX F XXXX XXXX, XXXX XXXX XXXX. 

Given these significant legal concerns, I respectfully request that a full investigation be conducted into the actions of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and ALL third-party affiliates associated regarding my loan. I further ask that immediate corrective actions to be taken to address any violations and ensure that my legal rights are fully respected and upheld. Any communications not received by certified mail under the Penalties of XXXX will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties of XXXX, please settle this account immediately within ( XXXX ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308. 


Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2025-04-17 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: TX

Complaint narrative:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX The following inquiries were not and should not be reporting. 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 XXXX years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit and it is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I need you to make sure all this information is 100 % correct. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-04-17 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: NY

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-04-17 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-17 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: WA

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Incorrect TransUnion Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA 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 2025-04-17 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX Row A XXXX NJ XXXX XXXX Last XXXX SSN : XXXX XXXX : XX/XX/year> Experian, Transunion, Equifax Request for Removal of Fraudulent Personal Loan from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of a fraudulent personal loan that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft. 

The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : Unknow I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( IRC 26 U.S.C.6050P ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

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 non-monetary relief
Consumer complaint received 2025-04-17 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: LEXISNEXIS
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX Row A XXXX NJ XXXX XXXX Last XXXX SSN : XXXX XXXX : XX/XX/year> Experian, Transunion, Equifax Request for Removal of Fraudulent Personal Loan from Credit Report To Whom It XXXX Concern, I am writing to dispute and request the removal of a fraudulent personal loan that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft. 

The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXXXXX Date Opened : XXXX Amount : Unknow I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( XXXX XXXX XXXX ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation