vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to file a complaint against Experian for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail, tracking number XXXX XXXXXXXX. In this letter, I detailed all inaccurate items and incorrect personal information listed on my credit report. To aid in verifying my identity and address, I included a copy of my photo ID, social security card, and a W2 form with my current address. 
I received an email response from Experian dated XX/XX/year> with the following statement : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This response is completely unacceptable and appears to be a blatant violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). The FCRA clearly requires Experian to conduct a reasonable reinvestigation of any disputed items in a consumers file. There is no ambiguity in this requirement ; Experian 's refusal to investigate my dispute, despite receiving sufficient verification documents and a clear request, represents a failure to meet its statutory obligation. I am including a copy of my dispute letter sent to Experian, USPS certified mail proof of delivery, along with Experians response as proof.

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 2025-05-07 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX  Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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 non-monetary relief
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts with inaccurate, inconsistent, or potentially fraudulent information. One account in particularreported by XXXX XXXX XXXX XXXX to be a fraudulent auto loan that I never authorized or opened. According to my FTC Identity Theft Report, the account began in XX/XX/XXXX, but I discovered it in XX/XX/XXXX, which means this issue has existed for a long time without proper resolution. 

In addition to this account, there are other accounts on my credit report with conflicting data across the XXXX credit bureaus ( XXXX, XXXX, and Equifax ). These discrepancies include inconsistent opening dates, account types, payment histories, and creditor names. Some accounts are even missing from certain bureaus entirely, which violates the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) requiring all information to be accurate and consistent and Section 611, which gives me the right to dispute and have unverifiable information deleted. 

Ive submitted disputes directly to the credit bureaus and requested they delete or correct all inaccurate, unverifiable, or incomplete information. I am now requesting the CFPBs assistance in enforcing these rights under the FCRA and holding the credit bureaus accountable for timely and complete investigations. Please help ensure all inaccurate data and false accounts especially the XXXX XXXX XXXX XXXX XXXX loan are permanently removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing the reporting of the charged-off XXXX XXXX XXXX XXXX XXXX  XXXX account status on XXXX  ( Report Number XXXX ) and Equifax ( Report XXXX XXXX ) for violating multiple provisions of the Fair Credit Reporting Act. This account ending in XXXX was closed and charged off in XXXX, yet both bureaus continue to report a balance of {$580.00} and ongoing monthly charge-off updates through XX/XX/XXXX. These updates, labeled as Profit and Loss Write-Off, constitute illegal re-aging under FCRA 1681c ( a ) ( 4 ) by misrepresenting the age and severity of the delinquency. There has been no consumer activity, payment agreement, or contract renewal since the true charge-off account status date. The continued derogatory updates create a false impression of recency and seriousness, violating FCRA 1681e ( b ), which requires credit data to be accurate and not misleading. Because the tradeline lacks valid supporting documentation confirming its ongoing status, it qualifies for deletion under FCRA 1681i ( a ) ( 5 ) ( A ) as unverifiable and materially inaccurate. I also explicitly object to the use of any third-party data brokers such as XXXX, XXXX, XXXX, XXXX, or XXXX XXXX XXXX this reinvestigation. These entities lack original source documentation and are not authorized to access my data under FCRA 1681b ( a ). Given that this account is outdated, static, and unlawfully updated, I invoke FCRA 1681i ( a ) ( 8 ) and request expedited deletion within three ( 3 ) business days from the date of this dispute. If not resolved promptly, I will escalate this matter to the FTC and other regulatory bodies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I am formally disputing the reporting of the charged-off XXXX XXXX XXXX XXXX XXXX  XXXX account status on Experian ( Report Number XXXX ) and Equifax ( Report XXXX XXXX ) for violating multiple provisions of the Fair Credit Reporting Act. This account ending in XXXX was closed and charged off in XXXX, yet both bureaus continue to report a balance of {$580.00} and ongoing monthly charge-off updates through XX/XX/XXXX. These updates, labeled as Profit and Loss Write-Off, constitute illegal re-aging under FCRA 1681c ( a ) ( 4 ) by misrepresenting the age and severity of the delinquency. There has been no consumer activity, payment agreement, or contract renewal since the true charge-off account status date. The continued derogatory updates create a false impression of recency and seriousness, violating FCRA 1681e ( b ), which requires credit data to be accurate and not misleading. Because the tradeline lacks valid supporting documentation confirming its ongoing status, it qualifies for deletion under FCRA 1681i ( a ) ( 5 ) ( A ) as unverifiable and materially inaccurate. I also explicitly object to the use of any third-party data brokers such as XXXX, XXXX, XXXX, XXXX, oXXXX XXXX XXXX during this reinvestigation. These entities lack original source documentation and are not authorized to access my data under FCRA 1681b ( a ). Given that this account is outdated, static, and unlawfully updated, I invoke FCRA 1681i ( a ) ( 8 ) and request expedited deletion within three ( 3 ) business days from the date of this dispute. If not resolved promptly, I will escalate this matter to the FTC and other regulatory bodies.

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 2025-05-07 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MS

Complaint narrative:
my roof is leaking havent received a payment going on a year and a half to replace my roof. I sent them an insurance check but they keep giving me a runaround with my contractor.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
15 U.S. Code 1666b 15 U.S. Code 1681s-2 ( a ) ( 1 ) 15 U.S. Code 1681c ] Are invoke on all close accounts for fraudulent transactions conducting the XXXX XXXX intangible property for profit and loss in good faith of full credit. 
XXXX XXXX {$0.00} Close on XXXX XXXX ( XXXX XXXX late payment ) XXXX XXXX XXXX {$980.00} close on XX/XX/XXXX XXXX ( XXXX ) payment XXXX XXXX close on XXXX XXXX {$420.00} ( XXXX ) payment XXXX XXXX  XXXX  {$490.00} close on XXXX ( XXXX ) payment XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> there was an ATM Withdrawal from my Checking Account for the amount of {$150.00}. This transaction was done at a non Wells Fargo ATM in the state of New York .. It also read card inserted .I noticed this charge on XX/XX/year> and immediately called Wells Fargo to report this as # XXXX I dont live in XXXX XXXX and it was not me who withdrew moneys that day of the charge the phone number I called to report all this was Wells Fargo XXXX - Told them of my problem and was transferred to there fraud department wheres I explained to them what had happened to my ATM card being used in XXXX XXXX and I live in XXXX XXXX XXXX XXXX and told them 3 times I had not been in XXXX XXXX  or had I ever given anyone my PIN number and ATM cardI never do that ever! After being on hold they told me they were going to credit my account the {$150.00} which they did, but this was based on what I had told themThey also stopped my current ATM card and sent me out a new one with different account numbers.. Much to my surprise I get a letter dated XX/XX/year>, but did not receive till around XX/XX/year> telling me that they have once again debit my account the {$150.00} and that was due to the information available to them that the charges was made by myself in XXXX XXXX or it was someone I gave permission to use my card .. Both are false! I called there Claim Assistance Dept @ XXXX and they told me they were to send me the documents they had based there decision on .. I asked if they could tell me what they had based there decision on and he replied he was unable to see the documents.. He said I would receive there findings in the mail Today is XX/XX/year> and to date I have received nothing from the Wells Fargo Claims Assistance Center There address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX So Im still out my money as Wells Fargo wont credit it back to me and is not providing me with those documents I requested that they based there false accusations on Please Help 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 explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: NJ

Complaint narrative:
I paid off a XXXX XXXX XXXX  account ( originally {$1900.00}, settled for {$850.00} ) in full on XX/XX/year> through Unifin , Inc., who services this debt. 

On a recorded call, an authorized Unifin agent clearly stated they would request a deletion of the tradeline in approximately 30 days in exchange for payment. I have this recording, and the agent acknowledged both the deletion and that the call was being recorded with their supervisors awareness. 

Despite this agreement, XXXX  only updated the tradeline to paid/closed instead of removing it completely as agreed. 

I am attaching the payment receipt and am happy to supply the full audio file if requested. 

This collection is negatively impacting my credit, despite the companys verbal agreement to delete it. I am formally requesting the immediate deletion of this tradeline from all three credit bureaus as promised and as required by the Fair Credit Reporting Act in light of misleading or inaccurate representations. 

I can not attach the full call on this portal due to size and extension limitation : COMPLETE CALL RECORDING IS AVAILABLE ON REQUEST. Partial is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Subject : Unauthorized Account Emails and XXXX Codes Sent to My Email Address by Bank of America Over the past month, I have received over 50 automatically generated emails from Bank of America regarding a customers account. These emails included details of XXXX transactions, such as recipient names, email addresses, and phone numbers. The emails were mistakenly sent to my personal email address ( XXXX ), despite the fact that I have no accounts with Bank of America.

Additionally, in the past two days, I have received more than 10 two-factor authentication ( 2FA ) codes meant for the same customer. These codes were sent to my email address as part of Bank of Americas security measures. This situation has been ongoing, and despite reporting the issue multiple times to XXXX and calling their customer support line, no corrective actions have been taken. 

The root cause of this issue seems to be that a Bank of America customer entered my email address ( XXXX ) incorrectly when setting up their account, XXXX. As a result, I am continuously receiving sensitive financial communications meant for that customer. 

Despite reaching out for support, Bank of America has not resolved the situation or taken steps to prevent it from recurring. I have also not received a satisfactory response from the bank.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
Date : XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXX RE : Request for Immediate Deletion of Unverifiable Account XXXX XXXX Charge-off ( {$2500.00} ) To Whom It May Concern, I am writing to formally request the immediate removal of a XXXX XXXX  charge-off account, previously reported with a balance of {$2500.00}, from my Experian credit report. 

This account was also listed on my XXXX credit report and was recently disputed. After completing their reinvestigation on XXXX XXXX XXXX, XXXX determined the account could not be verified and deleted it completely from my file. This deletion demonstrates that the account is unverifiable and should no longer appear on any consumer credit reports under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) of the FCRA, credit reporting agencies are required to delete any information that can not be verified during a reinvestigation. Moreover, Section 611 of the FCRA grants me the right to dispute incomplete or inaccurate information, and mandates your agency to complete the reinvestigation within 30 days of the dispute. 

If you continue to report this unverifiable debt past this timeframe, you will be in violation of federal law. Under 15 U.S. Code 1681n and 1681o, I have the legal right to seek civil damages, including attorneys fees, for any willful or negligent failure to comply with the FCRA. 

Please consider this letter an official dispute and demand for deletion of the XXXX XXXX account. If it is not removed from my Experian credit report within 30 days, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and will pursue all legal remedies available to me. 

Enclosed are copies of my government-issued ID and proof of address to verify my identity.

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 2025-05-07 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: IN

Complaint narrative:
Theres an account showing up on my credit report that does not belong to me. Its clearly been mixed with my information, and I need it removed immediately. This is someone elses accountplain and simple. Ive never opened it, never authorized it, and have nothing to do with it. Its damaging my credit, and it has no business being tied to my 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 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
What happened? 

I applied for a Capital One ( savor cash rewards ) credit card after seeing a promotional offer on XXXX. The offer included : 0 % introductory APR for 15 months on purchases and balance transfers ( 19.24 % 29.24 % variable APR after that ) A one-time cash bonus of {$200.00} after spending {$500.00} within 3 months of account opening I applied using the link provided on XXXX, which clearly advertised this promotional offer. I have never previously had a Capital One credit card or product. 

On XX/XX/XXXX, I received an email stating that my card had shipped. I received the card on XX/XX/XXXX and called Capital One the same day when I noticed there was no mention of the promotional terms. The representative told me that my card was not enrolled in any promotion. No explanation was given, and they would not escalate or resolve the issue. 

I applied for this card specifically because of the promotional terms, and I feel misled. I am requesting that Capital One honor the terms of the offer I applied under.

Company response to consumer: Closed with explanation