vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
XXXX XXXX  has been over charging my account since XXXX of XXXX and did not pay taxes as they claimed, I paid them and have a receipt. 
I have made dozens of phone calls and held over XXXX hour on multiple occasion 's. 
My payment is {$800.00} for Principal and interest. The escrow portion I paid for the taxes and insurance, They have been withholding {$990.00} per month for escrow and they have paid neither taxes nor the insurance. The taxes are {$5800.00} and the insurance at {$530.00} and both were paid by me. XXXX XXXX replied the check was returned uncashed to axos. 
I have at least XXXX case numbers with AXOS dating back to last year Case XXXX on XXXX XXXX XXXX Case id XXXX Last XXXX Case XXXX from XXXX XXXX XXXX They have not replied to any and should be required to refund excess money with Interest and should be fined according to the laws. 

XXXX XXXX XXXX Payment {$1600.00} XXXX XXXX XXXX Payment {$1600.00} XXXX XXXX XXXX Payment {$1600.00} XXXX XXXX XXXX Payment {$2500.00} XXXX XXXX XXXX Payment {$820.00} XXXX XXXX XXXX Payment {$820.00} XXXX XXXX XXXX Payment {$1600.00} XXXX XXXX XXXX Payment {$840.00} XXXX XXXX XXXX Payment {$800.00} XXXX XXXX XXXX Payment {$860.00} XXXX XXXX XXXX Payment {$1700.00} XXXX XXXX XXXX Payment {$800.00} Please see they refund and correct asap and finish option out of my escrow accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-04-01 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. XXXX negligence in handling my credit report has resulted in financial and reputational harm to me, and I am seeking immediate resolution. 

Complaint Details : On XX/XX/year> I reviewed my credit report from XXXX and noticed several inaccuracies, including : XXXX, XXXX XXXXXXXX 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 
I submitted a dispute to XXXX on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> via online requesting supporting documentation to prove the inaccuracies. 
XXXX failed to conduct a reasonable investigation and did not correct the errors within the 30-day period required by law.

As a result of these errors, I have suffered financial harm, such as denial of credit, increased interest rates, and emotional distress. 

Under 15 U.S. Code 1681o, XXXXXXXX is liable for negligently failing to comply with the FCRA, causing me harm. I am requesting the CFPB to take immediate action against XXXX, including : XXXX XXXX corrects the inaccuracies on my credit report. 
2Imposing appropriate penalties for their negligence.

3Requiring XXXX to provide a detailed explanation of their investigation process and any corrective actions taken. 

I urge the CFPB to take swift action to hold XXXX accountable for their negligence. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, 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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/year> fraudulent activity on bank credit card that fraud lees transferred to checking in attempt to cash out. Spoke to both bank and fraud department and thought was resolved. Advised to deposit charges back to credit card from checking which was done and now they are saying that we withdrew the money and did not deposit back. We have copies of both the withdraw and deposit back on same day. This is been going on since last XXXX and now they are threatening me with collections.

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 2025-04-01 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: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX after being advised by my mechanic to return a vehicle that I had purchased and the owner refuse to give me the money back I filed a claim with chime. Upon making them aware that my phone was stolen and that I did not transfer the money from my account they said they found no error. When asked to elevate it was not elevated. They also said that it matched my history and if you look there have been no transactions or anything made to this particular person I don't even know them. And they refuse to refund my money. The total was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Subject : Request for Debt Validation xxxxxxxxxxxxxxxx XXXX Dear XXXX XXXX XXXX I am writing to formally request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I received a notice from your company regarding this debt, but before I take any action, I need you to provide me with the necessary information to verify its validity.

Please provide me with the following : 1. Proof of the Debt : A detailed statement of the amount owed, including interest, fees, or other charges.

2. Creditor Information : The name and address of the original creditor, along with any documentation showing that you have the right to collect this debt.

3. Payment History : A complete record of payments made on this debt, including how the amount was calculated.

4. Validation of Your Authority : Proof that you are authorized to collect on this debt and that the statute of limitations has not expired.

5. Copy of Signed Agreement : A copy of the signed agreement or contract that created this debt obligation.

Until I receive this information, I request that you cease all collection efforts, including reporting this debt to credit bureaus, or updating any existing reports. If you can not validate this debt, I expect that you will remove any negative credit reporting associated with it. 

Please respond to this request in writing within 30 days of receiving this letter. If you fail to provide the requested documentation, I will consider this matter resolved and expect no further contact from your company regarding this debt. 

This letter serves as a formal dispute under the FDCPA. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: OH

Complaint narrative:
Any person who shall be injured in his business or property by reason of anything forbidden in the antitrust laws may sue therefor in any district court of the United States in the district in which the defendant resides or is found or has an agent, without respect to the amount in controversy, and the court shall have jurisdiction of the action.

( b ) No action to enforce any cause of action under the antitrust laws shall be brought more than four years after the cause of action accrued, except that if the defendant is a foreign national, the cause of action shall not accrue until the plaintiff has discovered the violation.

( c ) In any action under this section, the court may award a plaintiff who prevails a reasonable attorneys fee as part of the costs of the action, and the United States shall be entitled to recover its reasonable costs in any action brought by it.

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 2025-04-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ] XXXX XXXX XXXX XXXX XXXX, TX XXXX ] TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear Equifax Experian or TransUnion, I am writing to dispute the following information that appears on my Equifax or Experian or TransUnion ] consumer report : I am writing to request an investigation of the following items on my credit report as provided by my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ). I have identified several inaccuracies in my credit report that need correction. And 623 Dispute 1 Account Number or other information to identify account {$720.00} Open balance XXXX XXXX XXXX XXXX Original Creditor Name Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. 
Phone number : ( XXXX ) XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX, XXXX, the debt collector, is at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX. XX/XX/XXXX Source of dispute information : Experian, TransUnion, TransUnion Type of disputed information : inquiry XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Dates associated with the item being disputed : XX/XX/XXXX, and Inquiry : XXXX XXXX, XXXX, AND XX/XX/XXXX Explanation of item being disputed : o Im the victim of identity theft, and I dont recognize one or more of the accounts on my report.

Dispute 2 : I am a victim of Identity theft. I never owned or had an account with XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX 
. I have attached a copy of my report. I AM A VICTIM OF IDENTITY THEFT, AND THESE ACCOUNTS DO NOT BELONG TO ME. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX name XXXX XXXX XXXX name

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 2025-04-01 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00}

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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-01 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: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. XXXX negligence in handling my credit report has resulted in financial and reputational harm to me, and I am seeking immediate resolution. 

Complaint Details : On XX/XX/year> I reviewed my credit report from XXXX and noticed several inaccuracies, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collectech Diversified, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I submitted a dispute to XXXX on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> via online requesting supporting documentation to prove the inaccuracies. 
XXXX failed to conduct a reasonable investigation and did not correct the errors within the 30-day period required by law. 
As a result of these errors, I have suffered financial harm, such as denial of credit, increased interest rates, and emotional distress. 

Under 15 U.S. Code 1681o, XXXX is liable for negligently failing to comply with the FCRA, causing me harm. I am requesting the CFPB to take immediate action against XXXX, including : 1Ensuring XXXX corrects the inaccuracies on my credit report. 
2Imposing appropriate penalties for their negligence. 
3Requiring XXXX to provide a detailed explanation of their investigation process and any corrective actions taken. 

I urge the CFPB to take swift action to hold XXXX accountable for their negligence. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, 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 2025-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXXXXXX XXXX, XXXX WA office ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX WA XXXX, File number : XXXX ) I am writing to formally lodge a complaint against Merrill Lynch XXXX XXXX regarding improper account fees and alleged misconduct by their financial advisor, XXXX XXXX XXXX. And the matters described below pertain to my account as well as my child 's account under XXXX XXXX advisory. 


Key Issues : 1. Failure to Disclose Fee-Waiving Program : Since 2018, XXXX XXXX advisor XXXX XXXX XXXX XXXX XXXX failed to inform me and my child about the " Statement Link Service Enrollment '' program that waives annual fees for households exceeding a certain balance threshold, leading to improper fee collection over several years. She did not reveal this information even upon inquiry.

2. Improper Charges and Lack of Responsiveness : If the program details were disclosed when opening our childs account in 2018, unnecessary fees could be avoided by combining accounts. XXXX XXXX ignored repeated reimbursement requests, and Merrill Lynch management refused to address XXXX XXXX XXXX failure to disclose fee-reducing options. 

3. Unfair Practices : Despite holding Power of Attorney for my childs account, Merrill Lynch refused to allow me to manage and rectify these issues, citing privacy concerns. This restricted my ability to address financial damages caused by their lack of transparency.

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 2025-04-01 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief