vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, which is a XXXX.... A process server showed at my house at XXXX pm to deliver lawsuit paperwork from American Express Legal regarding the suit they filed against me for me not paying them a sufficient amount of money to repay credit card debt on a closed business credit account. They said they had locked me into an agreement, an agreement which I never signed in the first place, and continued making my regular minimum payments that was in black and white on Amex account. The process server said she couldn't leave paperwork with my wife who answered the door, and will retry on Saturday, XX/XX/XXXX. She never showed back up, not one time. I then was going through my mail on XX/XX/XXXX, which was a Saturday, saw this package from AMEX legal.... They had dropped it off in my mailbox instead oh handing it directly to me. I then called AMEX legal on XX/XX/XXXX and talked to them, and told them I had made payments, and that I never signed the so-called agreement that they had said I did. I also have documentation of that as well, me saying I am not signing the agreement. They then said, well, if you don't pay us this amount, we will go through with the lawsuit. I then entered into an agreement with them to pay them XXXX last Monday the XXXX, XXXX today which is the XXXX, and XXXX next Monday which is the XXXX ... and then XXXX a month until XXXX of XXXX which would be the end of the agreement. I then get a message from my neighbor holding a set of papers that were supposed to go to me, and me only ... He stated that the paperwork was sitting on his porch, in a clear envelope with my name and address and paperwork in it. It states my name, my address, and an order for alternative service to give notice of the suit. I also have documentation of this as well, stating that anyone over the age of XXXX is sufficient enough to give the notice of suit to. But .... my neighbor is not related to me, and should have been given my info, or the notice of suit to. It is a direct violation of the FDCPA, and I don't appreciate my business being out there for other people to see ... that don't need to see. I have contacted AMEX legal regarding this, and all they have said was if I have an attorney, they are required to speak to them. I informed them that I have an attorney which I retain every year, but I have not given him this info or paperwork to look into.This is a very serious matter to me, and needs to be dealt with accordingly.... whether that be in a courtroom, or on the phone, or thru some other means. I did not give them permission to drop paperwork off somewhere else other than my house, nor did I ever speak to or see a process server from AMEX Legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
I do not recognize this account

with Credit Systems International. You violated the United States C
ode, 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, by accessing and/or using my consumer report without a legally permissible purpose as defined under federal law.

Under this section of the Fair Credit Reporting Act ( FCRA ), a consumer report may only be furnished under specific conditions, such as with my written authorization, in connection with credit transactions I initiated, or for other narrowly defined legal reasons. 
I did not authorize this inquiry or transaction, nor was there any permissible purpose that would lawfully allow access to my credit report. This constitutes a clear violation of my consumer rights under federal law. 
I am requesting that this matter be fully investigated and that appropriate enforcement actions be taken against the party responsible for this unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-14 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: Block, Inc.
State: NV

Complaint narrative:
Received a cash app card to my address with another persons name on it. This person does not reside at this address. Contacted credit company and they request my personal information that I would not share.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I found out that they canceled my account because my cards didn't work. So today I called the bank and was informed that the bank decided to cancel my account. Below is the company 's resolution. 

Dear XXXX XXXX XXXX XXXX XXXX We are closing this XXXX 's XXXX Mastercard because Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage.

Please stop using this account immediately and destroy any cards and checks associated with it. Also, you should update any recurring payments being charged to this account, including gym memberships, subscriptions to online streaming services, etc.

You're still responsible for paying any remaining account balance and will continue to receive billing statements until the balance reaches XXXX. 
If you have questions, please call us anytime at XXXX ( XXXX ). 
Sincerely, Capital One I am a professional, a respectable mother, who has never experienced anything like this. I am very embarrassed and upset about this situation. The company doesn't offer any help over the phone other than to read the letter stating the reason for the cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Newrez has a nasty habit of raising my monthly payment with exorbiant fees for no apparent reason, just because they are feeling greedy. I am left to spend hours on the phone, talking to multiple incomprehensible penguins that Newrez hires to do customer service, while letting them rob customers just because they can. 

This has happened twice in less than 12 months. Extra fees requested are XXXX XXXXXXXX, or over 13 % of the mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
While filing for a refinance loan for an addition to our home these inaccurate accounts and information were discovered. According to the 15 U.S C 1681 Law no damages on my report as is it defamation to my character.

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 2025-07-14 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account 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 2025-07-14 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Dear Sir/Madam : I have written multiple checks and unfortunately, Wells Fargo Bank have no problem with taking the funds from my account to satisfy the check. Wells Fargo Bank refuses to provide me with the image of the negotiated check so that i can prove that my checks were negotiated. 

I wrote check number : XXXX on or about XX/XX/year>, check number : XXXX on or about XX/XX/year>, check number : XXXX on or about and check number : XXXX on or about XXXX XXXX. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have reached out to Navy Federal Credit Union a couple of times to fix errors and it shows on comments that it was verified and not corrected on my reports. I have tried to get the account numbers to match as each credit report showing different things. XXXX  showing XXXXXXXX XXXX  showing XXXX  and XXXX  showing XXXX. I have received a 1099c after making a payment to settle account in full and this is still showing on my credit report. Per the Fair Credit Act FCRA 1681s-2, once a 1099c is issued, creditor can not report as a charge off/collection, as this is misinformation. Income can not be on credit report as it is taxible income. Therefore this must be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am formally disputing the following derogatory accounts being reported on my credit report. This is a direct challenge to the accuracy, validity, and verifiability of the information being reported under 15 U.S.C. 1681i and 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ). 

These are the accounts in question : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Charge-Off XXXX. XXXX Account XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Collection XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$240.00} Original Creditor : XXXX XXXX Status : Collection I am demanding that you immediately provide full verification of these accounts. That means : - A copy of the original signed contract with my signature- The full payment history and account detail - Proof that I was properly notified before reporting - For collections : chain of assignment and legal ownership - For charge-offs : documentation showing accurate accounting and compliance with federal law Anything less than actual, original documentation will not be accepted. 
Verified through electronic means or internal data is not verification under the law and will be rejected. 

If you can not provide this level of documentation, then you are required by law to remove the accounts immediately from all reporting agencies. Continuing to report unverifiable or inaccurate data is a direct violation of the FCRA. 

You have 30 days to respond with the documentation or confirm the deletion of these items. This is not a request. This is a formal notice under federal law. 

Sincerely, 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 2025-07-14 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: FL

Complaint narrative:
I am formally disputing the following derogatory accounts being reported on my credit report. This is a direct challenge to the accuracy, validity, and verifiability of the information being reported under 15 U.S.C. 1681i and 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ). 

These are the accounts in question : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Charge-Off XXXX. XXXX Account XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Collection XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$240.00} Original Creditor : XXXX XXXX Status : Collection I am demanding that you immediately provide full verification of these accounts. That means : - A copy of the original signed contract with my signature- The full payment history and account detail - Proof that I was properly notified before reporting - For collections : chain of assignment and legal ownership - For charge-offs : documentation showing accurate accounting and compliance with federal law Anything less than actual, original documentation will not be accepted. 
Verified through electronic means or internal data is not verification under the law and will be rejected. 

If you can not provide this level of documentation, then you are required by law to remove the accounts immediately from all reporting agencies. Continuing to report unverifiable or inaccurate data is a direct violation of the FCRA. 

You have 30 days to respond with the documentation or confirm the deletion of these items. This is not a request. This is a formal notice under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, someone fraudulenty got into my WFB bank accounts and accessed {$8000.00} from my WFB Signature card credit line and transferred it to my checking account, and then proceeded to withdraw {$9800.00} from my checking account. This was an act of fraud. I have met with a banker several times and filed a claim with the bank, which they have since denied, and now the {$8000.00} credit line on my Signature card needs to be repaid. The bank said that XXXX XXXX or XXXX XXXX was used for this transaction. However, I do not EVER use XXXX XXXX or XXXX XXXX  and so I have contacted XXXX XXXX and filed a claim with them too. 

Since then, I have discontinued those WFB account numbers and have opened new accounts with new numbers, a new PIN number, and a new username and password. All my older accounts have been closed and those account numbers discontinued. 


XXXX XXXX, XX/XX/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 2025-07-15 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
Purchased a home through XXXX XXXX. After moving in pre existing conditions from previous homeowners were revealed. Initial home inspector neglected to report water issues and damages. Second inspection revealed the house should not have passed inspection. Preexisting water, mold etc present. XXXX began seeping up through floors. Filed a water damage claim. Insurance company approved contractors to gut the home before making sure Insurance policy covered repairs. 2nd water leak and XXXX XXXX approved Insurance company to finish gutting home completely destroying home. Insurance Company again will not release funds to fix property after destroy it. Insurance company is in breach of contract. Veteran has gone into bankruptcy, water bills XXXX XXXXXXXX. Animals died, wife fell through floor and health issues. House has caught on fire due to perhaps faulty wiring. XXXX XXXX will not offer any modifications, cash for keys, absolutely no help to restore property. XXXX XXXX is trying to foreclose on the house after putting Veteran in debt with no financial relief. XXXX XXXX purchased forced place insurance on the homeowners behalf. The insurance company and XXXX XXXX are obligated to upkeep the property investment for them and the homeowner and XXXX XXXX has not done that. They have placed the Veteran in a financial pit and expect the XXXX to pay above what was agreed on the mortgage terms.

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