vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
RE : REQUEST FOR REINVESTIGATION Formal Dispute Under FCRA 611 / 623 / XXXX XXXX Compliance To Whom It May Concern : This letter is a formal request for an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. I have reviewed my credit report and identified numerous entries that are inaccurate, incomplete, or unverifiable, which constitutes violations under FCRA Sections 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). 
Below are the disputed accounts with supporting legal reasons for each. I request immediate deletion or full investigation based on the data furnishers inability to maintain factual accuracy. 
WFBNA AUTO XXXX Opened XX/XX/year> There are multiple late marks up to 60 days reported, but no late fee assessments or billing proof were provided, violating FCRA 623 ( a ) ( 1 ) ( D ). This is an example of unverifiable derogatory reporting.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: SC

Complaint narrative:
For the entire month of XXXX and XXXX, I have been receiving text messages emails five days a week three times a day for a debt collection company. Due to federal code section 15 usc 1692cc I am not responsible for any past or new collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I didn't obtain any goods or services from companies. Accounts are Fraud and should be removed and blocked from my profile.

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 2025-09-17 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: NC

Complaint narrative:
I submitted disputes to TransUnion regarding multiple inaccurate accounts being reported under XXXX. XXXX  properly investigated and corrected the status of the account, but TransUnion has failed to take the same corrective action. TransUnion continues to report XXXX XXXX accounts negatively, even though the information is inaccurate and incorrect. Despite my disputes and supporting documentation, TransUnion has not properly verified or corrected these accounts. This is a violation of the Fair Credit Reporting Act, which requires a reasonable investigation and accurate reporting of consumer information.

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 2025-09-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SLM CORPORATION
State: MD

Complaint narrative:
Was approved for XXXX XXXX XXXX after the lawsuit. XXXX sent me a refund payment for personal loans and I received confirmation that Sallie Mae loans are included. I disputed the info with Sallie Mae and they only removed one of the loans. The other they are still reporting as charge off and have now sold it to XXXX XXXX  XXXX  who is double reporting this debt I do not owe. 

I was misled by my school into a private loan, and Sallie Mae is improperly denying my discharge request. They should be held accountable for deceptive practices for purposely selling non existent debt to a collection company ( XXXX XXXX ). 

If in error, the second loan was not removed, since it has been sold to a collection company it has been a battle to have it removed off my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding AMERICAN EXPRESS s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with Experian and Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX XXXX XXXX XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported.AMERICAN EXPRESS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Unlawful Account Freeze / Discrimination Complainants : XXXX XXXX XXXX XXXXXXXX - attorney, racially profiled Institution : Bank of America , N.A . 

Summary of Issue On or about XX/XX/year>, BofA froze our accounts. 
On XX/XX/year>, BofA cleared all fraud allegations and confirmed no suspicious activity to the originating bank XXXX XXXX  Despite clearance, BofA has refused to unfreeze accounts, depriving us of access to lawfully earned funds. 
The freeze appears to have been initiated by a branch manager who racially profiled an attorney who is a BofA customer and part of this complaint, likely via a Suspicious Activity Report ( SAR ). 
As of XXXX 2025, BofA continues the freeze, well beyond the 3090 day industry standard for SAR-related reviews, and without any court order or regulatory seizure notice.

Harms Suffered Business interruption and inability to meet personal and professional obligations. 
Emotional distress : severe XXXX XXXX  for the XXXX. 
XXXX profiling discrimination against the attorney. 
Reputational damage to our law firm and business. 

Relief Requested Immediate unfreezing of accounts. 
Corrective action against BofA for unreasonable, discriminatory freeze practices. 
Compensation for financial losses and emotional distress.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Despite being a longtime, loyal customer who always pays the minimum due, and then some, the Apple Card/Goldman entity has continued to treat me terribly.

I have had the card for a while and pride myself on paying off the full balance of credit cards each and every month. Over the last year, that has not been possible due to family medical issues.

I wrote in to ask for an interest waiver and placement on their Customer Assistance plan, which is completely labyrinthine and essentially nonexistent. I was offered a mere {$25.00} interest waiver despite my situation and being charged many times that each and every month. 
However, my real issue is with the Customer Assistance plan, which seems to exist in name only. Every time I ask about it, even to " supervisors '', I am given the run around, always being told I'm ineligible. If I've paid the minimum due, they tell me that makes me ineligible. If I don't pay it, I'm told I have to pay it to become ineligible. I wrote in today and was told that I was ineligible due to having paid the minimum due, but to write back in during the last week of the month - when I still would have paid the current minimum due! And, again, this was by a " supervisor '', someone who has no discernible authority or customer service skills that the initial agent you speak with doesn't. It's ridiculous to pretend something exists but then never, ever being eligible for it, or being told what to do to be eligible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to request detailed verification of the negative items reported on my credit report. Specifically, I need to understand the methods used to verify this information. Please provide the following : XXXX. Documentation of how this account was verified, including all supporting methods. XXXX. Proof of the debt, including the ORIGINAL CONTRACTS WITH MY WET SIGNATURES. XXXX. An explanation of how the accuracy of this information was determined, particularly in light of any discrepancies. Under the Fair Credit Reporting Act ( FCRA ), inaccurate information should not be reported on my credit report without a proper investigation. If there is a discrepancy, this item must be removed. As the reported charge-offs appears to be incorrect and claims I still owe the debt, I am requesting that this be corrected or deleted to comply with the FCRA. Please provide the requested information within the required timeframe of 4 days to avoid legal action for any potential violations, including seeking statutory damages. Again, if you can not provide the original contracts with my wet signatures, please remove from my credit report. Thank you for your prompt attention to this matter. The negative items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
'll start with this question : Can more than one mortgage servicer be assigned to a loan at a closing on a house? On XX/XX/year> I attended the closing on my home. I was so excited and really didn't know what to expect. Long story short, I remember signing and initialing all these forms and documents with very little understanding of what was happening. though I was rushed in and out, I was told that I would receive copies of all the documents in the mail. Weeks later, I did. It took time to read through everything, and I still had questions. the point of all this is, years later I discovered that the mortgage servicer I started with was not the same one to date. I started with XXXX XXXX Loans at my closing, but XXXX XXXX XXXX XXXX XXXX is the company who stepped in at some point, whom I had never received written notification until last year ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have somehow teamed up together to try to take my home from and sell it. XXXX XXXX XXXX XXXX XXXX is a registered collection agency with the state of North Carolina, and I never signed a contract with them to do business. I have attached some documents and if I need to send additional information, please let me know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft, and an inaccurate account is currently being reported on my TransUnion credit file. I disputed this account with TransUnion and submitted proof of identity, proof of address, and an official FTC Identity Theft Report from IdentityTheft.gov. Despite this, TransUnion continues to report the fraudulent account. This same account was reported by all three bureaus, and XXXX  has already deleted it following their investigation. TransUnions failure to take the same corrective action indicates that a proper investigation was not conducted in accordance with the Fair Credit Reporting Act. Continuing to report fraudulent information after it has been disputed and proven to be related to identity theft is unlawful and causes ongoing harm to me.

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 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX XXXX  and I am submitting this complaint regarding XXXX XXXX Flagship Credit Acceptance XXXX XXXX, the company through which I financed my vehicle. 

Over the past XXXX XXXX XXXX XXXX XXXX XXXX, Flagship Credit Acceptance has consistently charged me a {$4.00} convenience fee each time I made a payment over the phone, whether using a XXXX XXXX  debit card or checking account I typically made payments using two different checking accounts and two different debit cards and each transaction incurred this fee. 

Upon reviewing my loan agreement, I found XXXX XXXX  no provision authorizing these convenience fees XXXX XXXX, nor have I been informed of any law that permits them. Based on the CFPBs advisory opinion and the Fair Debt Collection Practices Act ( FDCPA ), these fees appear to be XXXX XXXX illegal pay-to-pay fees XXXX XXXX, which are prohibited unless expressly authorized in the contract or permitted by law. 

I am formally requesting a full reimbursement of all convenience fees charged to me by Flagship Credit Acceptance. If this issue is not resolved promptly, I intend to XXXX XXXX pursue legal action XXXX XXXX to recover these unauthorized charges. 

Please let me know the next steps in processing this complaint. I am prepared to provide documentation of the fees and payment history if needed. 

Thank you for your attention to this matter. 


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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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion

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