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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This would be my last complaint until I get Legal manner on Wednesday I spoke with XXXX XXXXXXXX for 10 time I send all the Documents they ask me AGAIN Police report for 10 time I send written Statement explanin the situation that didn't have any business with his merchant thr way Bank of america Ask me to do and vene send them a screenshot a a chat conversation with the merchant saying was fraud and STILL IM OVERDRAFT {$5800.00} I been patient on Wednesday I spoke with fraud department and explained that nned my money and my account Positive because I'm on process to buy House and need send statements eith with bank i have and this been XXXX would damage or Ruined my House purchase. The Bank of america Fraud department told me she saw my 3 attachment documents and see was fraud that they already ask chargeback to The merchant that to expedited the Process because is being longgg time and been cooperative by sending Strong Documents to wait 2 Business days and YET Nothing to be done. The representative escalated a complaint explained my situation wrote a Legal matter would be process if this not be Fixed i been dealing with this since XXXX or XX/XX/XXXX and we are XX/XX/XXXX I been So patient but now if this not Fixed today I would Process with a Lawyer That I already contacted

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The following information is in reference to a Wells Fargo Active Cash Visa Card which was applied for by myself ( XXXX XXXX ) on XX/XX/XXXX, application reference number : XXXX I will open my formal complaint explanation with the fact that I have been a Wells Fargo auto loan member since XXXX of XXXX. I have made payments on this account all on time or early for 48 months. I have even satisfied the balance of the loan with a one lump sum payment and therefore have parted ways with this banking establishment in excellent standing. 

To continue with, Wells Fargo evaluates me at a current credit score of XXXX. I have according to my XXXX  credit report, {$55000.00} worth of available credit including all of my credit card accounts. My balances are currently less than {$500.00} total on all accounts. 

That being said, Wells Fargo solicited to me via email an offer to apply for their credit card in which I did not need, but I was interested in the cash back and perks it offered. Lo and behold within minutes of applying I was denied. This was very insulting to me considering my ability to manage my accounts and how Ive spent 4 years with Wells Fargo in excellent standing. 

I unfortunately have to write this complaint because I was not evaluated fairly based on whatever system they claim they use and will not stop revisiting this until I am satisfied with a fair outcome. 

Thank you for your time, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX  ) 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 TILA XXXX XXXX XXXXXXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX  ) 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 TILA XXXX XXXX XXXXXXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am writing to provide an update and continuation of my prior complaint submitted to your office concerning the improper servicing and foreclosure actions related to the mortgage on XXXX XXXX XXXX XXXX, XXXX, XXXX. The loan was originally held by USAA Federal Savings Bank and later serviced by XXXX XXXX XXXX XXXX XXXX XXXX. 

As previously reported, this mortgage account has been the subject of a prolonged and mishandled loan modification process, during which I was explicitly instructed not to make payments while my loss mitigation application was under review. Unfortunately, this advice resulted in unjustified delinquency reporting, fees, and ultimately a foreclosure complaint filed against the wrong party and without appropriate notice. 

Key developments since my last correspondence : 1. Foreclosure Case Dismissed : The South Carolina foreclosure action ( Case No. XXXX ) was officially dismissed by court order as of XX/XX/2025, without prejudice. This occurred while a stay was in place for loss mitigation review. However, the case had already caused considerable financial and reputational damage. 

2. Reinstated Loss Mitigation Review : I recently received a formal letter from XXXX XXXX  ( dated XX/XX/2025 ) extending the timeframe for submission of updated documentation for loss mitigation. This review comes after multiple offers I made to resolve the balancenone of which have received a clear response. 

3. Inability to Refinance : My ability to cure the alleged default through a refinance was directly compromised by the servicers prior instructions to withhold payments. This created a gap in payment history that led lenders to deny me access to refinancing options. 

4. Documented Pattern of Misconduct : My claims align with prior enforcement action by the CFPB against XXXX XXXX  for mishandling modification applications and continuing foreclosure processes during review periods ( see CFPB XXXX XXXX XXXX XXXX, Case No. XXXX ). 

5. Pending Legal Remedies : I am seeking consultation to assess what of any are allowable with the specifics of this case. 

Given the severity of the conduct and its impact on my family and financial affairs, I respectfully request that your office continue to monitor this case and offer any assistance or oversight you deem appropriate. I am prepared to submit any additional supporting documents or testimony required. 

Thank you for your attention to 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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Hello this account is not mine and is showing late on my Credit Report I request the tradeline be removed this is 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 2025-04-25 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:
Hello this account is not mine and is showing late on my Credit Report I request the tradeline be removed this is fraud

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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Hello this account is not mine and is showing late on my Credit Report I request the tradeline be removed this is 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 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my credit reports and found multiple hard inquiries that I did not authorize. I never submitted applications, gave written instructions, or otherwise permitted these companies to access my credit file on the listed dates. These inquiries were pulled without my knowledge or consent, and no permissible purpose exists under the Fair Credit Reporting Act ( FCRA ) for their presence on my reports. 

I contacted the credit bureaus and submitted formal dispute letters, requesting removal of the inquiries unless documentation could be provided to prove I authorized them. Despite this, the inquiries remain, and I have not received sufficient proof that they were lawfully initiated. The continued reporting of these inquiries is harming my credit profile and exposes me to potential risks of fraud and financial harm.

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: 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: FL

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 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: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robin Hood just closed my brokerage account with out any nothing and sold all my stocks and XXXX in that account I dont know what I did wrong, I contact support for one year they said nothing can be done please reach out to them and help me fix this

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/, Chase Auto received and posted a lease payoff in the amount of {$35000.00} for my vehicle. Despite this, the account is still showing as open with a past due balance of {$1200.00} and a due date of XX/XX/. I have contacted Chase multiple times, and they acknowledge the payoff was received, but they claim they are processing accounts in order and have not yet closed mine. This delay has caused the account to reflect as past due, which could negatively affect my credit. 

It is unacceptable for an account to remain open and marked past due after full payment has been received and posted for over a month.

Company response to consumer: Closed with non-monetary relief