vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am a victim of identity theft. Someone opened a Capital One Bank credit card account in my name, using my personal information without my consent or knowledge. The fraudulent Capital One Bank credit card account has a balance of {$490.00}. I have never applied for a Capital One Bank credit card account. The Capital One Bank credit card account is a fraudulent account. Full Name : XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: West Coast Servicing, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Urgent Complaint Against West Coast Servicing , Inc. for Unlawful Foreclosure Proceedings and SCRA Violations Dear Consumer Financial Protection Bureau, We are filling this complaint regarding a serious issue with West Coast Servicing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that requires immediate attention. 

As an active-duty military service member who is protected under the Servicemembers Civil Relief Act ( SCRA ), which caps mortgage interest rates at 6 % during active service, West Coast Servicing , Inc. is charging an excessive 11.50 % interest ratenearly double the legal limitresulting in financial hardship and an unjust foreclosure attempt on our primary residence. 

Details of the Complaint : Loan Account Number : XXXX Scheduled Foreclosure Sale Date : XX/XX/XXXX Current Interest Rate Charged : 11.50 % ( Violation of SCRA XXXX : 6 % ) Total Payoff Amount as of XX/XX/XXXX : {$90000.00} Original Principal Balance is {$32000.00} and Loan Maturity date is XX/XX/XXXX. 

West Coast Servicing , Inc. has failed to comply with federal law by not adjusting the interest rate to the legal limit of 6 % under the SCRA. Additionally, they have accumulated excessive interest and fees, unfairly inflating the outstanding debt and placing undue financial burden on the Pascals. The wrongful foreclosure proceedings are a direct result of this unlawful overcharging. 

Request for CFPB Action : 1. Immediate halt of all foreclosure actions against our home.

2. Correction of the interest rate to comply with the SCRA ( retroactive adjustment to 6 % ). 
XXXX. Recalculation of the loan balance to remove illegally accrued interest and fees.

4. Investigation into West Coast Servicing , Inc. for potential violations of the SCRA and consumer protection laws.

The SCRA was enacted to protect active-duty military personnel from financial exploitation, and West Coast Servicing , Inc. 's actions are a blatant violation of those protections. We urge the CFPB to take swift action to prevent further harm and ensure compliance with federal law. 

Please confirm receipt of this complaint and provide updates on the investigation. We appreciate your prompt assistance in resolving this matter and preventing an unlawful foreclosure. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX DE XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute and Notice of Non-Compliance Civil Liability for Negligence ( 15 U.S.C. 1681o ) Dear Equifax I am writing to formally dispute every account listed on my Equifax report ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department of Education, remove hard inquiries, late payments and collections e.g., inaccurate information on your credit report, failure to respond to a request, unauthorized inquiry, etc. ]. This matter falls under 15 U.S.C. 1681o, which holds parties civilly liable for negligent non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681o, a party that negligently fails to comply with the FCRA is liable for actual damages sustained as a result of the violation, as well as the costs of legal action, including attorneys fees if necessary.

To resolve this matter, I request the following : Immediate correction and compliance with FCRA requirements.

Written confirmation that the violation has been addressed within the legally required time frame. 
Compensation paid by check to XXXX XXXX for damages incurred due to this negligence of {$1000.00} from each company/business listed on my credit report inaccurately out of compliance with the FCRA requirements. 
Failure to comply with this request may result in further legal action, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and potential civil litigation to enforce my rights under the FCRA. 

Please respond in writing within 30 days from the date of this letter. You may send your response to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
due to the data breach several Accounts were open using my information, I did not open nor authorize these opening, Leading into Collection Affecting my Credit Score.i than informed the agent of 15 USC 1681b and that the inaccuracy should be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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  I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX Balance : {$17000.00} FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX Balance : {$17000.00} FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. There is fraudulent names, addresses and accounts listed on my credit report. My name is XXXX XXXX and my only address is XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I want to formally share my concerns about how Zelle handles disputes, especially in light of the recent CFPB lawsuit that exposed major problems with the platform. Despite using Zelle multiple times and reporting issues, both my bank and Zelle failed to properly investigate my claims. They told me that recovering lost funds was not possible and that tracking these transactions couldnt be done. The CFPBs findings suggest that Zelle hasnt done enough to protect consumers and has allowed repeat offenders to take advantage of the system, putting users at risk of scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email ] [ Your Phone Number ] [ Date ] GM Financial XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Form 1099-C for Charged-Off Auto Loan Dear GM Financial, I am writing to formally request a copy of IRS Form 1099-C for the charge-off of my auto loan account with GM Financial. Below are the details of my account : Account Holder Name : [ Your Full Name ] Account Number : XXXX Vehicle Information : [ Year, Make, Model of Vehicle ] To ensure accurate tax reporting, I need confirmation of any debt cancellation associated with this account. If a Form 1099-C was issued, please provide a copy for my records. If one has not been issued but should be, I kindly request that it be generated and sent to me at your earliest convenience.

Please send the requested form to the address listed above. If additional information is required to process this request, feel free to contact me at Thank you for your prompt attention to this matter. I appreciate your cooperation.

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I closed my account on XX/XX/year> prior and after closing the account I request a letter that I would be removed from the companies database for any type of mailing and emails but Ive been continuing to getting emails to my personal email address nor did I ever get the letter that I requested with this confirmation. I also spoke with XXXX and customer care on XX/XX/year> and he was trying to authenticate me as being a current customer even though I closed out any existing counts on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy. 

After reviewing my credit reports, I noticed that you are alleging that the following account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report, therefore you must remove all adverse remarks for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$350.00} - ACCOUNT IN COLLECTIONS ON XX/XX/year> BY THE ALLEGED CREDITOR : XXXX XXXX XXXX As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Disputed inaccuracies on my report. Many accounts listed I do not have knowledge of. No investigation done and no information provided to me on the accounts. Only states that it meets the credit reporting criteria.

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 2025-02-28 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: IL

Complaint narrative:
My TransUnion report is showing 47 late items I dont understand how I went from having none to 47. I disputed items and 1 came back stating late in XX/XX/year> but account was paid off. There is even accounts showing up from over 7 years ago. I did put a freeze on TransUnion credit reports. I also disputed one late with XXXX and Experian they stated verify but nothing sent to me I dont believe they followed through. I want these late items removed from my credit 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