vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for its failure to provide timely and adequate notification of a data breach involving my sensitive personal and financial information. 

I recently received a mailed breach notice from XXXX referencing a class action lawsuit and a data breach incident that occurred over two years ago. Despite the length of time since the breach occurred and was publicly litigated, this is the first time I have been informed that my information was impacted. The delayed notification has prevented me from taking timely protective actions.

Key Issues and Legal Concerns : 1. Failure to Notify in a Timely Manner The breach notification was delivered over two years after the breach and far beyond the 30-day requirement under Florida Statutes XXXX. 
This delay also appears to violate FTC best practices and may contradict federal data protection standards, which expect timely and meaningful notice to consumers when their data is exposed.

2. Jurisdictional Misapplication and Lack of Clarity I reside in Florida, yet the breach notice referred to California law and a California-based class action lawsuit. 
There was no explanation as to why California law applies to me or how I should proceed under my Florida consumer rights. 
XXXX. Lack of Remedial Support or Consumer Protection The notification did not include offers of : Free credit monitoring Identity theft protection Clear information on what personal data was accessed No instructions or point of contact for support or dispute resolution were provided beyond the general class action notice. 
XXXX. Inadequate Transparency About the Breach The breach letter did not explain : The date of the actual breach The date XXXX discovered the breach The timeline of their response Whether this was a standalone incident or part of a larger exposure of consumer data XXXX. Impact on Class Action Participation The delayed notice may prevent me from participating in the referenced class action, as key deadlines may have passed before I was even made aware of my eligibility. 

Personal Impact : Because of the delay in notification, I was : Unable to take proactive steps to monitor or freeze my credit Exposed to potential identity theft and financial fraud without knowledge Left confused about what my rights are under Florida law vs. California law Subjected to XXXX  and distress over my private information being mishandled

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for its failure to provide timely and adequate notification of a data breach involving my sensitive personal and financial information. 

I recently received a mailed breach notice from XXXX referencing a class action lawsuit and a data breach incident that occurred over two years ago. Despite the length of time since the breach occurred and was publicly litigated, this is the first time I have been informed that my information was impacted. The delayed notification has prevented me from taking timely protective actions. 

Key Issues and Legal Concerns : 1. Failure to Notify in a Timely Manner The breach notification was delivered over two years after the breach and far beyond the 30-day requirement under Florida Statutes 501.171.

This delay also appears to violate FTC best practices and may contradict federal data protection standards, which expect timely and meaningful notice to consumers when their data is exposed.

2. Jurisdictional Misapplication and Lack of Clarity I reside in Florida, yet the breach notice referred to California law and a California-based class action lawsuit. 
There was no explanation as to why California law applies to me or how I should proceed under my Florida consumer rights. 
XXXX. Lack of Remedial Support or Consumer Protection The notification did not include offers of : Free credit monitoring Identity theft protection Clear information on what personal data was accessed No instructions or point of contact for support or dispute resolution were provided beyond the general class action notice. 
XXXX. Inadequate Transparency About the Breach The breach letter did not explain : The date of the actual breach The date XXXX discovered the breach The timeline of their response Whether this was a standalone incident or part of a larger exposure of consumer data 5. Impact on Class Action Participation The delayed notice may prevent me from participating in the referenced class action, as key deadlines may have passed before I was even made aware of my eligibility.

Personal Impact : Because of the delay in notification, I was : Unable to take proactive steps to monitor or freeze my credit Exposed to potential identity theft and financial fraud without knowledge Left confused about what my rights are under Florida law vs. California law Subjected to XXXX and distress over my private information being mishandled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for its failure to provide timely and adequate notification of a data breach involving my sensitive personal and financial information. 

I recently received a mailed breach notice from XXXX referencing a class action lawsuit and a data breach incident that occurred over two years ago. Despite the length of time since the breach occurred and was publicly litigated, this is the first time I have been informed that my information was impacted. The delayed notification has prevented me from taking timely protective actions. 

Key Issues and Legal Concerns : 1. Failure to Notify in a Timely Manner The breach notification was delivered over two years after the breach and far beyond the 30-day requirement under Florida Statutes 501.171.

This delay also appears to violate FTC best practices and may contradict federal data protection standards, which expect timely and meaningful notice to consumers when their data is exposed. 
XXXX. Jurisdictional Misapplication and Lack of Clarity I reside in Florida, yet the breach notice referred to California law and a California-based class action lawsuit. 
There was no explanation as to why California law applies to me or how I should proceed under my Florida consumer rights. 
XXXX. Lack of Remedial Support or Consumer Protection The notification did not include offers of : Free credit monitoring Identity theft protection Clear information on what personal data was accessed No instructions or point of contact for support or dispute resolution were provided beyond the general class action notice. 
XXXX. Inadequate Transparency About the Breach The breach letter did not explain : The date of the actual breach The date XXXX discovered the breach The timeline of their response Whether this was a standalone incident or part of a larger exposure of consumer data XXXX. Impact on Class Action Participation The delayed notice may prevent me from participating in the referenced class action, as key deadlines may have passed before I was even made aware of my eligibility. 

Personal Impact : Because of the delay in notification, I was : Unable to take proactive steps to monitor or freeze my credit Exposed to potential identity theft and financial fraud without knowledge Left confused about what my rights are under Florida law vs. California law Subjected to XXXX and distress over my private information being mishandled

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, this is in regards to. XXXX reinstatement letters Defined by IRS as unlawful Charge off accounts can not be placed on a consumers reports I contacted the Attorney General office in your state. And I found the complaint I will be receiving an advocate to help fight for me with you guys. You will be receiving a complaint from the XXXX CFPB and now the Attorney Generals. Looking forward to going to court. 

I will be including evidence of the validation letter that you guys failed to respond to on XX/XX/year> The reinstatement letters. That you guys are sending three at a time every day to the credit agencies. Equifax, XXXX XXXX XXXX  I am wondering if you guys are attaching. The resolution results?. The investigation that XXXX made Im only asking for competent evidence. Bearing the results thats connecting me to this obligation. I will be copying this and attaching this as evidence to the Attorney Generals portal. 

I would simply like to know the breakdown how you guys got to that amount is that including insurance? Do you guys have the original documentation with my signature? This is a fraud account. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # XXXX, has violated my rights. 
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 an account without my written instructions. Y

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
We closed on XX/XX/2025 and on the Closing Disclosure ( not Loan Estimate ), it states that my XXXX  XXXX will be {$35.00} a month for years XXXX. Today ( XX/XX/2025 ), they have requested that I sign a new Closing Disclosure with in increased XXXX  XXXX of {$89.00}, almost triple the amount agreed upon at closing. I have responded to their email that this sounds highly questionable to me, potentially illegal, and that I do not consent to altering the terms after closing. To falsely advertise an amount, agree on it, and then change the terms by tripling the amount after signing would be a dishonest business practice to attract customers. This is something I do not agree with and do not consent with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Resurgent Capital Services L.P . 
Attn : Customer Service Department XXXX XXXX XXXX XXXX, SC XXXX Re : Account Number Ending in XXXX Original Creditor : XXXX XXXX XXXX  ( XXXX ), XXXX. 
Current Owner : LVNV Funding LLC Balance : {$450.00} Reference ID : XXXX This letter serves as a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this alleged debt and demand that you provide the following documentation to validate your claim : 1. A complete copy of the original signed contract or agreement bearing my signature with XXXX XXXX XXXX  ( XXXX ), XXXX. 
2. A full accounting of how the alleged debt amount of {$450.00} was calculated.

3. Proof of your legal authority and chain of assignment to collect on this debt.

4. A copy of any judgment ( if applicable ).

5. Proof that this debt is within the statute of limitations for collection in California.

Additionally, this letter serves as a cease and desist notice under 15 U.S.C. 1692c ( c ). I am invoking my right to request that you cease all communication with me regarding this matter. This also includes, but is not limited to, the reporting of this alleged account to any consumer reporting agencies. The continued publication of this account on my consumer reports constitutes collection activity and must cease immediately. I demand that you delete this account from all consumer reporting agencies to whom you have furnished data, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Furthermore, based on the information available to me, this alleged account may be past the statute of limitations for legal collection in the state of California. Any attempt to collect on a time-barred debt is a violation of the FDCPA and will be treated as such. 

If you can not validate this alleged debt with sufficient documentation as required by law, you must : Cease all collection activities, Remove this account from my credit reports, and Refrain from selling or transferring the account to another entity. 

Please note that failure to comply with these demands will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Department of Financial Protection and Innovation. I also reserve the right to pursue legal action for any violations of my rights under federal or state law. 

This letter is being sent for the purpose of disputing a debt and asserting rights under federal law. It is not to be construed as an acknowledgment or acceptance of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion 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 2025-05-09 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: NJ

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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/2020

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/XXXX, I was the victim of a fraud scheme involving someone impersonating Wells Fargo. XXXX XXXX XXXX I received a text from a five-digit number stating there was suspicious activity on my account. I replied that I didnt recognize the transaction. Minutes later, I received a call from someone claiming to be from Wells Fargo. The caller sounded legitimatethere was hold music, and they confirmed personal details like my phone number. 

They told me there were three suspicious charges on my credit card in Florida and instructed me to temporarily transfer funds from my credit card to my checking account to secure the money. I complied. Then they asked me to download a program to my computer that would give them access to my account. At that point, I became suspicious, pretended to take a call from my husband, and contacted Wells Fargo immediately. 

Wells Fargo confirmed the call was not from them and that the only unusual activity was the transfer I had just made. I did not share my Social Security number, home address, or account numbers. Wells Fargo told me to report the fraud and file a claim, which I did. They temporarily closed both my debit and credit accounts and issued me new cards. The fraud claim was eventually resolved, and in XX/XX/XXXX, Wells Fargo refunded all fees. 

However, the issue resurfaced. Despite the resolved claim, I began receiving monthly cash advance chargeseven though I never took out a cash advance. I called Wellsfargo again, trying to figure out why did they start charging me on cash advanced again and was informed that Wells Fargo had failed to properly update my checking account number back in XXXX despite the fact my cards have been replaced 23 times since then. 

Most frustratingly, on XX/XX/XXXX, I received a letter stating that my claim was denied because no fraudulent activity could be identified. Yet, all of this started when I reported fraud within 5 minutes of it happening. Today, I spent over an hour on the phone with Wells Fargo trying to reach someone who could explain why these cash advance charges have resumed, and no one could help. 

Ive been a loyal Wells Fargo customer for 16 years, and I dont believe I deserve to be treated like this or charged for activity I did not authorize. I'm not a criminal. I did everything right : I acted fast, reported the fraud, cooperated fully, and even went in person to follow up. Yet the issue continues, and now my claim is being denied without proper explanation. 

I respectfully request the CFPB to review this situation and assist in getting Wells Fargo to properly resolve the recurring charges and fully correct the impact of this fraud incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/XXXX Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX. 

Subject : Identity Theft Dispute Fraudulent Accounts on My Credit Report Pursuant to 15 U.S.C. 1681 et seq. and 1681n ( FCRA ), and 15 U.S.C. 6802 ( GLBA ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of accounts and inquiries on my credit report that are the result of identity theft. These accounts were opened and used without my knowledge or authorization, constituting a violation of my consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and privacy protections under 15 U.S.C. 6802. 

The following accounts were fraudulently opened : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts do not belong to me, and I did not authorize their creation, use, or reporting. 1They were the result of identity theft. As such, I am exercising my rights under : 15 U.S.C. 1681c-2, which gives identity theft victims the right to block fraudulent information.

15 U.S.C. 1681i, which requires reinvestigation of disputed information.

15 U.S.C. 1681n, which holds data furnishers and CRAs liable for willful noncompliance.

15 U.S.C. 6802, which restricts the sharing of my nonpublic personal information without consent.

Enclosed with this letter are the following supporting documents : A copy of my government-issued photo ID Proof of residence ( e.g., utility bill or lease ) A copy of the FTC Identity Theft Report or police report ( if available ) A copy of my credit report with the fraudulent accounts highlighted Request for Action : I demand the immediate blocking and permanent removal of the above fraudulent accounts from my credit report, in accordance with FCRA 1681c-2.

Please complete your investigation and provide written confirmation of the outcome within 30 days as mandated by law.

Failure to comply with the FCRAs provisions, including 1681n, may result in legal consequences including actual damages, statutory damages, and attorneys fees.

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation