vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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:
To whom it may concern I am making this complaint because Experian credit bureau is reporting inaccurate fraudulent account to my credit file. I am a victim of identity theft my information was exposed in the XXXX  data breach and I request that this information be deleted from my credit file because it is fraudulent and I have no ownership of these accounts. under 605B please do not treat this as a regular dispute. This information should be deleted from my credit file within three days.

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 2025-05-28 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:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Please delete and block the following accounts from my credit report Accounts Inquiries 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 XXXXXX/XX/year>

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 2025-05-28 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consists of a collection account opened at XXXX on XX/XX/year> under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/year> WFBNA Card XXXX XXXX XXXX XXXX, MN XXXX RE : CEASE AND DESIST FORMAL DISPUTE, VALIDATION DEMAND & REQUEST FOR DELETION ( Non-Negotiable Directive ) To Whom It May Concern : This letter serves as a formal, final, and non-negotiable demand that you immediately CEASE AND DESIST all communication with me regarding the alleged debt you claim I owe. This includes all forms of contact : phone calls, emails, text messages, postal mail, or any contact through third parties.

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I hereby formally dispute this debt in its entirety. I do not acknowledge, admit, or accept any responsibility for this alleged obligation.

Furthermore, I am demanding that you provide the following without exception : A signed and executed copy of any original contract or agreement bearing my signature, proving I am legally obligated for this debt.

A complete chain of title and assignment, including a bill of sale or legal documentation demonstrating your lawful ownership or right to collect this alleged debt.

A full itemized accounting of the alleged balance, including fees, interest, and charges.

Failure to provide this full legal validation constitutes non-compliance, and I will consider your claim and all collection activity as illegitimate.

If you can not produce these documents in full, I am demanding that you immediately delete all tradeline reporting related to this alleged debt from all credit reporting agencies ( Experian, Equifax, and TransUnion ). Simply marking the debt as " disputed by consumer '' is not sufficient. Continuing to report a debt that is unvalidated or unverifiable is a direct violation of the FCRA and will result in immediate legal escalation on my part.

You are hereby required to provide a full response and complete validation of the alleged debt within 20 calendar days from the date of receipt of this letter. Failure to comply within this timeframe will be interpreted as an inability or unwillingness to validate this alleged debt and will be treated as grounds for formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney generals office, and civil litigation for damages.

Please be advised : You are not authorized to communicate further unless it is to comply with this demand or notify me of formal legal action.

Any further contact or continued reporting of this debt, without full and proper validation, will be treated as a knowing and willful violation of federal law.

This notice is final, binding, and NON-NEGOTIABLE. 
Sincerely,

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
PROFESSIONAL FINANCE COMPANY , INC . 
XXXX XXXX XXXX XXXXXXXX Alleged medical debt over various dates in 2022. 

# XXXX. Provided a court summons, that turned out to be fake. Document lacks Clerk signature and Case Number. Court was contacted to obtain this information and we were informed that there is no Case Number and that nothing has been filed with the court. This is illegal in Colorado ( Article XXXX - Colorado Fair Debt Collection Practices Act XXXX. False or misleading representations ) # XXXX. First listed Defendant is not guarantor on the alleged medical debt, therefore, there is nothing to collect from the Defendant. The 'court ' document shows guarantor, and lists a different defendant in the 'summons '

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My Capital One credit account was closed due to inactivity without prior notification. Attempts to resolve this through customer service were met with repeated disconnections and unhelpful representatives. 

Specifically : Representative XXXX ( ID # XXXX ) stated no action could be taken. 
Representative XXXX ( ID # XXXX ) denied the existence of a XXXX review period for account closures and ended the call. 
Representative XXXX ( ID # XXXX ) confirmed an internal review team for account re-opening requests, but refused to provide the submission process and disconnected. 

Despite multiple requests, I was denied transfers to a manager. I was informed that the policy regarding account re-opening is internal and not publicly documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I am filing this complaint due to Fay Servicings deliberate mishandling of my escrow removal request, their misleading communication, and their refusal to honor a properly submitted and fully qualified request. I am not requesting any monetary compensationmy only demand is that escrow be removed and that I am allowed to pay taxes directly. 

On XX/XX/year>, I submitted a written, signed request via email ( as instructed by Fay ) to remove escrow from my mortgage account. This request included all required informationborrower names, loan number, property addressand was sent well before any payment issues or delinquencies occurred. 

Following this, I paid over {$29000.00} toward the escrow balance across XXXX and XX/XX/year>, with the clear and repeated understanding that once escrow was brought current, the monthly mortgage payment would be adjusted and escrow removed. I confirmed multiple times by email and phone that this was the process and received no indication of further conditions or restrictions. 

On XX/XX/year>, Fay denied my request stating that the account had not been contractually current for 12 months. This condition was never once disclosed to me in dozens of emails or calls, despite direct questions and explicit references to escrow removal. This was a material omission.

Moreover, Fays prior response to my initial CFPB complaint falsely claimed no written request was submitted prior to delinquency. This is demonstrably falseI have a timestamped email with attached signed request sent on XX/XX/year>. Fays refusal to acknowledge this not only discredits their response, but suggests a pattern of bad faith and avoidance of regulatory oversight. 

In addition, after paying escrow down to XXXX, Fay added a new shortage of over {$6000.00} in their XXXX escrow analysisfurther increasing my monthly paymentwhile continuing to ignore my request and their prior commitments. This is not just procedural error, it reflects gross mismanagement and disregard for borrower rights. 

I am prepared to escalate this through all available legal channels including a formal RESPA Notice of Error and retain legal counsel to pursue action if Fay does not immediately take the following action : Review and approve the escrow removal request originally submitted XX/XX/year> Remove the escrow requirement from my loan Reset my monthly payment to reflect principal and interest only Confirm in writing that I may pay property taxes directly, as permitted by law If Fay maintains its position, I will pursue legal remedies under RESPA and consumer protection law for failure to disclose terms, misrepresentation, and deceptive business practices. I hope for resolution through this complaint and trust the CFPB will help enforce a fair outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXX XXXX XXXX XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX 
Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Bank Name : XXXX XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: DE

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-28 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 am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the TransUnion and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-05-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: VA

Complaint narrative:
See attachment below! 
I am writing to formally dispute the accuracy and legality of multiple items on my Equifax credit report. These items contain material inaccuracies and misrepresentations, and I demand their immediate deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Block, Inc.
State: TN

Complaint narrative:
Not familiar with this company, and I haven't gotten any merchandise from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Albert Corporation
State: TN

Complaint narrative:
Not familiar with this company, and I haven't gotten any merchandise from this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Marlette Funding, LLC
State: TN

Complaint narrative:
I don't know who this company is, never heard of them.

Company response to consumer: Closed with explanation