vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: OH

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
I am filing a complaint against E * TRADE / Morgan Stanley Private Bank regarding their refusal to pay a {$250.00} promotional bonus associated with opening a new checking account ( Account # XXXX ). Despite fulfilling all written requirements of the promotion and receiving multiple written confirmations from E * TRADE that I had met the qualifications, the bank denied the bonus without providing a valid, written justification based on the offer terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Good day i have a complaint for western union this is the second time complaining for the same unresolved issue. 
XXXX this was the complaint on your side that was closed. 

but even today i didn't get my money instead no one is responding to my emails, the last email they sent me is as follows XXXX Tue, XXXX XXXX, XXXX ( 3 days ago ) to me XXXX XXXX XXXX XXXX Thank you for reaching out. We appreciate your business and are truly sorry for the experience you had while using our services. 

Please note that as per records, the refund was completed on XXXX, and it could take up to XXXX business days, please note that the XXXX business day is on XXXX. 

If you have not received the refund by this date, please let us know so we can further check. 

At Western Union, we take every matter seriously to improve your experience with our services. 

If you have any questions or concerns, please email us at XXXX or call our corporate headquarters at ( XXXX ) XXXX ( international call charges XXXX apply ), providing your reference number XXXX to connect with me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Sears XXXX credit card decades ago that I believe was written off by Sears. This debt collection company XXXX XXXX XXXX contacted my brother first then me via a " legal courier service ''. A girl named XXXX from said legal courier service called me from ( XXXX ) XXXX stating I was supposed to attend court this upcoming Monday and I should call XXXX at ( XXXX ) XXXX regarding case number XXXX. When I called that number I spoke with XXXX who informed me that I owed $ XXXX and they would set up a payment plan otherwise I need to go to court and my credit will be damaged, my car would be taken etc. He said Sears held my account in collections until 2022 so no statute of limitations applies. We were disconnected and from that point on can not get connected to him. At the beginning of the call he asked my birthday which I gave then he read my SSN which I unfortunately verified as correct. This is the second time I have been the focus of their scam. The first time was for Citibank last year. He also said his company was collecting for Sears but he was my aide. That can't be true because that is a conflict. He also said he got them to reduce the amount to be repayed and if we went to court I would be responsible for the full amount.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 
I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to the Bank of America office to ask the XXXX to help me with wire the money to XXXX for my trip in XX/XX/XXXX. This is the XXXX time I used this service so I gave them all the information that I have. I got helped and was informed that the XXXX side will receive the money by XX/XX/XXXX. 
On that day, the travel agent contacted me and said they haven't received the money. I sent them the confirmation information and they said, there might be a mistake. The recipient name is the business name. 
I contacted the BOA right away and the XXXX was able to put in an amendment for me on XX/XX/XXXX. She also gave me a number to follow up with the BOA wire department, XXXX option XXXX. 
I called this number, talked to XXXX and opened the case XXXX. She asked me to call back next week to follow up. 
Since then, I called e-v-e-r-y XXXX, waiting in line for more than XXXX hours, and the only response is calling next week to follow up. 
Tired of this, on XX/XX/XXXX, I went back to the BOA office to talk with the XXXX. This time, she recommended me to cancel the wire. I agreed and was informed that the money will be back to my account within XXXX business day. Today is XX/XX/XXXX and I don't see anything refund. 
I called BOA XXXX at XXXX and they route me to the same number, XXXX. 
It has been XXXX hours while I am writing this complaint and no one pick up my phone. I got hung up XXXX times due to no agent is available. 
I found this is unacceptable for a big company like Bank of America.

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 2025-04-25 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: LA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Make sure an American over sees this acomplaint ONLY please. Due to the severity I want to be sure nothing is lost in translation again. 
It's been over 45 days .. even CFPB sent this creditor into a complaint with AG and fraud see complaint XXXX. You guys let them " update '' my account still incorrectly even without removing it even though they even said IT WAS CLOSED DUE TO BEING UNVERIFIABLE I sent all proof and forms and you didn't do your job. Secondly XXXX keeps " updating '' an account illegally and incorrectly for over 6 MONTHS one big red flag it says chatged off and paid but has a balnce how???. I will file a lawsuit with you and both creditors see attached. Also notarized XXXX was sent via certified mail XX/XX/year>. If these accounts still appear on your report I demand removal it's is my right under FCRA AND CONSUMER LAW. I need a car to work and you guys are making me get denied left to right for 0 reason but incompetence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Make sure an American over sees this acomplaint ONLY please. Due to the severity I want to be sure nothing is lost in translation again. 
It's been over 45 days .. even CFPB sent this creditor into a complaint with AG and fraud see complaint XXXX. You guys let them " update '' my account still incorrectly even without removing it even though they even said IT WAS CLOSED DUE TO BEING UNVERIFIABLE I sent all proof and forms and you didn't do your job. Secondly XXXX keeps " updating '' an account illegally and incorrectly for over 6 MONTHS one big red flag it says chatged off and paid but has a balnce how???. I will file a lawsuit with you and both creditors see attached. Also notarized XXXX was sent via certified mail XX/XX/year>. If these accounts still appear on your report I demand removal it's is my right under FCRA AND CONSUMER LAW. I need a car to work and you guys are making me get denied left to right for 0 reason but incompetence

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 2025-04-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and discovered that First Point Collection Resources had placed a collection account on my credit file. I had never received any notification from the original creditor, XXXX XXXX, regarding a balance due. It was later confirmed that XXXX XXXX had been sending any correspondence to an old address where I no longer resided. 

On XX/XX/year>, I ended an active car insurance policy with XXXX XXXX and began a new policy with them under a different plan. Despite paying my regular insurance premium, XXXX XXXX assessed a {$110.00} charge related to a short-rate cancellation fee for ending the previous policy early. However, I never received a bill or any notice regarding this charge at my current address. 

After speaking with XXXX XXXX, I was informed that they sold the account to a third-party debt collector, First Point Collection Resources, without providing me notice or an opportunity to pay or dispute the alleged balance. 

I only became aware of the debt when I reviewed my credit report on XX/XX/year>. 

On XX/XX/year>, I disputed the account with Equifax. Equifax responded that First Point verified the debt as accurate, but I received no supporting documentation or validation. 

On XX/XX/year>, I sent a formal debt validation request directly to First Point Collection Resources, invoking my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). In my letter, I requested full validation of the debt, including the name of the original creditor, an itemized breakdown of the charges, and a copy of any signed agreement.

First Point responded claiming they would not investigate further unless I provided new information. However, they never sent any validation documents, billing statements, or original creditor documentation. 

First Point continues to report this collection account to the credit bureaus without having properly validated the debt, in violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
How it started I am a XXXX XXXX XXXX XXXX person caring for my XXXX yr old granddaughter. My lender Rocket Mortgage is trying to force my home into foreclosure. In XXXX I refinanced my home with Rocket Mortgage. Several months into the loan I discovered some suspicious/inaccuracies with my taxes and insurance, and requested the cancellation of my escrow account. I informed Rocket Mortgage I would be paying my on taxes and insurance moving forth. I made the necessary arrangement with my local tax assessor office and a private insurance company to take over these monthly expenditures. In XXXX, Rocket Mortgage alleges I agreed to have an escrow account setup and therefore I was no longer allow to pay my own taxes and insurance. I disagreed and demanded they no longer be involved with my taxes and insurance. I contacted my local tax assessor office to informed them I would be paying my own taxes, they replied I could not pay my own taxes because Rocket Mortgage stated they would be paying the taxes through an impound escrow account setup by me. I disagreed with the XXXX and proceeding as plan to pay my own taxes and insurance. In XXXX, the local tax assessor office rejected my payment for taxes stating Rocket Mortgage has already paid the taxes and therefore could not accept my taxes. Rocket Mortgage took it upon themselves to place enforced taxes and insurance on my account. I provided Rocket Mortgage with a copy of my Insurance policy showing paid as agreed and they replied they were not able to remove the enforced insurance because I had agreed earlier to have an escrow account. They also stated I would need to cancel my current insurance policy and request a refund. My current policy at the time and still is less than 50 % of Rocket Mortgage enforced insurance policy. This was insane! Make things worst Rocket Mortgage in XX/XX/XXXX began rejecting my mortgage payments. Rocket Mortgage now claim they will not accept any more mortgage payments from me until I back pay them for the enforced taxes and insurance, which would eventually force me into foreclosure. I am mentally exhausted from the actions of this company. Please help there must be laws in place to stop these kinds of predatory lending practices. They have asked me to sell my home, take out the equity and pay off the the mortgage loan. Selling my home uprooting my grand-daughter life is not an option for me. I have done nothing to deserve the abuse perpetuated by my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
On XXXX XXXX I had reached out to what I was told was a landlord for a property I was interested in.I paid the XXXX application fee and then when I reached out to the person I was blocked on XXXX where I had initially reached out.I sent a dispute for fraud to Zelle the same exact day.I assumed by what they said on their site that they would let me know the status of this issue.I have not heard anything about this.I am unable to dispute the transaction with my bank and was told Id have to work with Zelle to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief