vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
XXXX XXXX escrow funds remaining from a closed mortgage from a house sale they notified they sent and the check was not cashed and they issued a notification. The check and the notification in XXXX they sent to the old address. I notified them of my new address prior. I have reached out on numerous occasions to get the funds and all have failed. They continue to tell me that it will be reissued. I have not received the funds as of yet XX/XX/XXXX from a check that they state they issued and admit yet has not been cashed from XX/XX/XXXX. They do not deny they owe me the money, just have failed to provide with excuse after excuse for over XXXX months.

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 2025-03-07 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting the immediate unfreezing of my credit file. SEE ATTACHED DOCUMENT

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 2025-03-07 00:00:00
Product: Vehicle loan or lease — Loan
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:
I have reached out to XXXX XXXX. And the XXXX XXXX stated that they have made a mistake regarding credit reporting and the an accuracy of payments that they received. I have not yet see that this was removed from my credit report with XXXX late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
For over XXXX weeks, Capital One has held my funds without providing adequate details or resolution. 

I received a XXXX transaction of {$150.00} from a buyer on XXXX XXXX. Capital One disputed this transaction and withheld the funds, despite the buyer retaining possession of the shoes I sold. All they say is XXXX isn't for business purposes Recently, another disputed transaction for {$300.00} has arisen, and Capital One is attempting to withhold these funds as well. 

I am a college student who relies on these funds to cover essential expenses. The delay in releasing my money has put me in a difficult financial situation, impacting my ability to manage my educational and living expenses. 

I have called Capital One multiple times and have spoken with several supervisors. However, none of these interactions have provided me with a clear explanation or resolution regarding why these funds are being held or the evidence supporting the disputes. 

I am seeking your assistance in investigating this matter. I believe that my funds are being unjustly withheld, and I am requesting that Capital One provide a detailed explanation for their actions and expedite the return of my money. 

Thank you for your time and attention to this matter. I appreciate any help you can provide in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XXXX midland credit management reported to experien credit bureau that I owed {$7200.00} dollars and filed it as a collection on my report. In doing so they assume responsibility that they did contact me about said debt. However they never diid. But by reporting to credit bureau that say they did. On XXXX I received a letter in my mailbox with offers to pay the balance. There was never an attempt by Midland credit management to send me a letter within XXXX days of contact providing my right to send a debt validation letter. Furthermore, this debt they are attempting to collect was disputed with the credit bureau and found to be inaccurate and fraudulent and removed from my credit report over a year ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: CT

Complaint narrative:
The errors on my report are making it harder for me to access opportunities and are unfairly damaging my scores. Its beyond frustrating to deal with setbacks caused by mistakes that are not my fault.

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 2025-03-07 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: CA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-03-07 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: CA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-03-07 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 non-monetary relief
Consumer complaint received 2025-03-07 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: AZ

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 non-monetary relief
Consumer complaint received 2025-03-07 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: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint - Identity Theft and Fraudulent Accounts on Credit Report Dear Consumer Financial Protection Bureau , I am filing this complaint to formally request an investigation into fraudulent accounts and inaccuracies appearing on my credit report due to identity theft. Despite multiple attempts to resolve these issues with the credit reporting agencies and data furnishers, my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws have been violated. 

Complaint Details : Personal Information Compromised : Social Security Number : * -- XXXX FTC Identity Theft Report Number : XXXX I am a victim of multiple data breaches, including : Equifax ( XXXX ) - XXXX XXXX Social Security numbers and personal data exposed. 

XXXX ( XXXX ) - XXXX XXXX records leaked, including passport numbers. 

XXXX ( XXXX ) - Millions of Social Security numbers and credit histories compromised. 

Fraudulent and Inaccurate Information : Unauthorized accounts have been opened in my name. 

Hard inquiries I did not authorize. 

Incorrect personal information that has not been updated. 

Violations of Federal Law : 15 U.S.C. 1681i ( a ) ( 6 ) - Failure to provide the method of verification.

15 U.S.C. 1681c-2 - Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) - Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 - Failure of data furnishers to ensure accuracy in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-03-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This inaccuracy is negatively impacting my credit report, and I kindly request that the matter be investigated and corrected as soon as possible. 

Please confirm receipt of this dispute and provide updates regarding the investigation process. 

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION
State: DE

Complaint narrative:
The following banks or financial institutions have ran my credit giving me a serious amount of hard inquiries on my credit report. 
The following institutions are - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX # XXXX XX/XX/XXXX -- {$3400.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$41000.00} XXXX  XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$45000.00} XXXX XXXX  XXXX  # XXXX XX/XX/XXXX -- {$62.00} XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$290.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/year> I tried to log in to my paid Experian account to unfreeze it so I could apply for an apartment application. My XXXX method was requesting to send code to a phone number that I no longer have. There is NO alternative method to access my account. I tried to call several numbers and the AI bot will NOT let you speak to a person even though I tried several ways to do it. I even tried to sign up for a new account, but as soon as it requests your SS number, it realizes you already have an account and you are back in the insane loop. I am unable to XXXX ) request an unfreeze XXXX ) access my paid account XXXX ) get any help XXXX ) cancel my subscription. In the past I have been able to do all these things. I have even tried to email the XXXX branch to see if I can get someone other a computer system. At this point I want to unfreeze my account. I have no way to get access to an account that they are charging $ 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 2025-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My mortgage loan was with Chase Bank. I missed XXXX payments and they would not me to make a plan to catch up the payments. They held off, as I later realized, they were being sued for mortgage loan fraud. XXXX months after I had tried to negotiate catching up my delinquent payments, Chase offered to do a Loan Modification, of the entire loan for XXXX years. This was late XXXX Chase added what they called XXXX XXXX XXXX of {$85000.00} to the new loan plus the delinquent payments. They have since sold the loan off to XXXX different financial services. They also added PMI to the loan for the entire XXXX years. I am still paying PMI on this loan the {$85000.00} is listed as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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 accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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!

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 2025-03-07 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: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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