vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ref. No. : XXXX Re : Regions Bank Dear XXXX XXXX : make reference to prior claim for regions bank if I need to provide additional information, please let me know where i can send the information and have someone to reach out to me regarding this I was not properly informed about the FDIC northing was given to me and my money was not protected under the guidelines of the FDIC polices the manger admitted she was sorry and admitted the miscommunication problems need for a person from the department to reach out to me by phone. from the CFPB

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 2025-05-17 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:
According to the FCRA Section 605B it is illegal to report information on my credit report without my permission. Please Remove From My Credit Report/File. Thank you.

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 2025-05-18 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:
To Whom It May Concern, This letter serves as my fifth formal dispute regarding the continued inaccurate and unverified reporting of several accounts on my credit file. Despite multiple disputes, you have failed to fully investigate or properly verify the following accounts, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
The following accounts are being reported inaccurately and must be removed : 1. XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a charge-off status and a high balance of {$580.00}. You have failed to provide proper verification or documentation from the original creditor, as required under FCRA 611 ( a ) ( 7 ). Additionally, no " method of verification '' has been disclosed, in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

2. XXXX XXXX XXXX You are reporting multiple accounts under this creditor with varying open dates, balances, and payment histories. These include accounts opened on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These accounts reflect inconsistent data and potentially duplicate entries, which misrepresents my credit profile. Continued inaccurate or duplicated reporting is a violation of FCRA 607 ( b ) and FCRA 602 ( A ).

These accounts have never been properly validated, nor have I been provided with documentation from the data furnishers confirming the accuracy and completeness of the reported information. I remind you that according to FCRA 611 ( a ), you are obligated to conduct a reasonable reinvestigation and remove or correct any information that can not be verified.

Furthermore, under 15 U.S. Code 1681n and 1681o, willful or negligent noncompliance with the FCRA may result in legal liability. You are now on notice. If these unverified and inaccurate accounts are not deleted within 15 calendar days, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I will also consider seeking legal remedies under federal law.

This is a final courtesy before legal action is taken.

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 2025-05-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as my fifth formal dispute regarding the continued inaccurate and unverified reporting of several accounts on my credit file. Despite multiple disputes, you have failed to fully investigate or properly verify the following accounts, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
The following accounts are being reported inaccurately and must be removed : 1. XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, with a charge-off status and a high balance of {$580.00}. You have failed to provide proper verification or documentation from the original creditor, as required under FCRA 611 ( a ) ( 7 ). Additionally, no " method of verification '' has been disclosed, in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

2. XXXX XXXX XXXX You are reporting multiple accounts under this creditor with varying open dates, balances, and payment histories. These include accounts opened on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These accounts reflect inconsistent data and potentially duplicate entries, which misrepresents my credit profile. Continued inaccurate or duplicated reporting is a violation of FCRA 607 ( b ) and FCRA 602 ( A ).

These accounts have never been properly validated, nor have I been provided with documentation from the data furnishers confirming the accuracy and completeness of the reported information. I remind you that according to FCRA 611 ( a ), you are obligated to conduct a reasonable reinvestigation and remove or correct any information that can not be verified.

Furthermore, under 15 U.S. Code 1681n and 1681o, willful or negligent noncompliance with the FCRA may result in legal liability. You are now on notice. If these unverified and inaccurate accounts are not deleted within 15 calendar days, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I will also consider seeking legal remedies under federal law.

This is a final courtesy before legal action is taken.

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 2025-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/year>, I received my first statement from Synchrony Bank. I noticed late fees and interest charges on my account balance of {$450.00}. I did not receive any prior notification of a balance due. I have a good credit history and consistently make payments on time, so this situation is concerning. I called Synchrony Bank to discuss these charges and werent willing to negotiate the balance even when I said I would pay what was charged to the account. Despite my efforts to resolve this issue directly, I have not been successful in getting a satisfactory response. I believe my consumer rights have been violated under the Fair Credit Reporting Act, as Synchrony Bank has not provided accurate information or adequate notification regarding my account. This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to get approved for loans and housing.

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 2025-05-17 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I told XXXX XXXX XXXX car dealership to stop submitting credit application. Dealership submitted XXXX credit application ( between XXXX XXXX 2025 to XXXX XXXX, 2025 ) causing my credit score to be lowered. 

I told XXXX XXXX XXXX the car sales contract is final since the car purchase date of XXXX XXXX 2025, but XXXX XXXX XXXX still kept on applying for credit application, causing my credit score to be lowered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have been reaching out to this company since XXXX trying to gather the documents mentioned above. I have not had a sufficient response, only responses trying to lower the amount of the alleged debt. None of my concerns have been met at no point of our communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: FL

Complaint narrative:
Dear XXXX XXXX  Customer Service, My name is XXXX XXXX, born on XX/XX/XXXX. I have been trying to unblock my XXXX XXXX card for more than a month now, but despite multiple attempts, I have been unable to resolve this issue. 

I called your customer service line at XXXX and provided all my personal information as requested. They instructed me to send my ID by mail. I complied and sent my ID promptly. 

A few hours later, I received a message stating that my identity could not be verified. I have sent my documents XXXX times already, but each time they were rejected. 

Yesterday, on XX/XX/XXXX, I spoke again with your representatives, but they were unable to help me. They directed me to email my ID to XXXX. From this email, I received a response that my identity could not be verified. 

On XX/XX/XXXX, I visited my local XXXX XXXX office, but they informed me that they can not assist as they are not a bank. 

I am XXXX XXXX XXXX and depend on these funds for my basic living expenses. This situation is causing me great distress, and I do not know where else to turn. 

Please help me unlock my card or provide another way for me to access my money as soon as possible. 

Thank you for your urgent attention to this matter. I can be reached by email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
Requested the mistake be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: OK

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. 
: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, states a consumer reporting agency can not furnish an account without my written instruction 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 items of information, other than records of convictions and crimes which antedates the report by 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a fraudulent account opened in my name with Affirm. After my divorce, my ex-wife used my personal information without my consent to open an account with Affirm. I reported this to the company and raised concerns about their inadequate identity verification process. I questioned why proper stepssuch as requesting photo identification or facial verificationwere not taken during account setup, which could have prevented this fraud. 

The account was active and paid on for several months. However, when payments were missed, I was alerted and immediately informed Affirm of the fraud. Despite notifying them and paying off the balance myself to avoid further damage to my credit, Affirm still reported the account as delinquent to the credit bureaus under my name. They failed to conduct a proper investigation, even after my request. 

Notably, the purchases madeincluding baby items and a computercorrelate with my ex-wife 's situation at the time, as she had just given birth. This is verifiable, yet Affirm declined to pursue action against her or to remove the account from my credit history. 

I believe Affirms lack of proper fraud prevention measures and failure to investigate after notification constitutes negligence. I am requesting that this matter be formally reviewed and that appropriate corrective action be taken to restore my credit and hold the responsible party accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
I am processing disputes on behalf of inaccurate information reported to my credit profile not following the FCRA & FDCPA laws. This has caused major inaccuracies reported a false information listed that is hindering my credit score and credit profile. These disputes needs to be investigated and resolved asap. Please review to remove all listed items reported to my dispute filing ASAP.

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 2025-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: IA

Complaint narrative:
On XX/XX/year>, I applied for a personal loan with SoFi ( Social Finance , Inc. ). My application was denied without a clear explanation or detailed reason. On XX/XX/year>, I sent a formal written appeal to SoFi, expressing concerns that the decision may have been influenced by discriminatory factors. I also requested a response within 7 days. As of today, I have received no reply or acknowledgment. 

I am currently experiencing homelessness, and this loan was critical to securing stable housing. The denialand more importantly, SoFis complete failure to respond to my written appealhas caused significant emotional stress and hardship. I am now in the process of pursuing legal action against SoFi for what I believe are violations of my consumer rights.

SoFis lack of transparency and refusal to engage in any communica
tion regarding a serious consumer concern raises red flags about potential violations of the Equal Credit Opportunity Act ( ECOA ) and other lending regulations. I am asking the CFPB to investigate their lending practices and their handling of consumer appeals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My home mortgage loan does not include an impound account to hold for taxes and insurance. Wells Fargo is applying my monthly principal and interest payment towards the escrow account and shorting the principal and interest due. The loan documents clearly state the order of payment shall follow as 1 ) interest due 2 ) principal due 3 ) funds for escrow items. Wells Fargo is applying my monthly payment first to escrow and then to interest and principal. This is causing my principal and interest payment to appear short and causing damage to my credit report and threatening foreclosure because the payment is not being applied to principal and interest. I write on the back side of every payment that the check being deposited is to be applied to Principal and Interest and Wells Fargo does not follow the loan documents or my intention as written on my payment.

Wells Fargo calls me weekly to tell me to bring current approximately {$15000.00} for past due payments due to their incorrect posting. Wells Fargo is applying my payment to an unidentified account since there is not an impound/escrow account associated with my loan. Wells Fargo is requiring me to pay for two ( 2 ) years of homeowners insurance ahead of the covered period. This is an unreasonable amount to request for a loan that does not have an impound account and for someone who has never missed a mortgage payment. In California, my homeowners insurance is over {$10000.00} per year.

I have tried many many times to contact someone of authority to clear this up. I have gone into my local branch and they can not help me. My credit is damaged and Wells Fargo is threatening foreclosure because they are not applying my monthly mortgage payment to the interest and principal due.

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 2025-05-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my Credit Report and noticed that some fraudulent accounts have been reported, I demand these accounts be removed from my credit report. They're diminishing my chances to obtain 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 explanation
Consumer complaint received 2025-05-17 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: Nelnet, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full dscharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. Violation of the Higher Education Act ; As a student borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
After being untruthful in my previous complaint against TD Bank they said they mailed my closing balance to the last known address. A few weeks ago, I received a letter from the bank stating that my check was sent in XXXX. 

They have my address to send me the letter, but the check has not arrived. I called the telephone support multiple times, and nobody could tell me where the money is, where it was sent, and any suggestions on whom I could speak with to find my money. 

The phone number on the letter I received does not state who you are specifically calling, but I have left multiple messages without luck. Nobody answers this phone line for 'Customer Cares ', and I would just like my money back since they've been holding on to it since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
I am processing disputes on behalf of inaccurate information reported to my credit profile not following the FCRA & FDCPA laws. This has caused major inaccuracies reported a false information listed that is hindering my credit score and credit profile. These disputes needs to be investigated and resolved asap. Please review to remove all listed items reported to my dispute filing ASAP.

Company response to consumer: Closed with non-monetary relief