vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: TX

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

Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DPT EDXXXX # XXXX - Date Opened XXXX Account Name : DPT EDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DPT EDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Ambassador Mortgage, LLC
State: LA

Complaint narrative:
My husband and I paid the principal mortgage broker and owner at Ambassador Mortgage {$6500.00} as a 1 % deposit for a mortgage loan on XX/XX/XXXX when we submitted an application with her company. We were told that the deposit was required to process our loan paperwork. I am writing this complaint in XXXX, and we have not received a mortgage loan or a refund of our deposit. We have received multiple promises from the mortgage broker that she would assist us with obtaining a lender. We completed two applications with lenders with the mortgage broker and she told us that we would be able to secure a one-time construction loan with XXXX dollars down. We were told that the lenders that this was not the case. I have multiple phone records, where my husband reached out to to the mortgage broker attempting to get assistance. The mortgage broker cltold my husband that she would find a lender which required no money down. I called the mortgage broker on XXXX of XXXX, and I was told that a lender would be confirmed for our mortgage or we would receive our deposit back by XX/XX/XXXX. Today is XX/XX/XXXX and we have not received our money back.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Good day, On XX/XX/year>2024 I opened a Smart Advantage checking account in BMO bank. 

I was promised a promo bonus of {$300.00}, and a bank representative later confirmed that I am on track to receive it in a phone call. I fulfilled all the requirements for the bonus at it was advertised ( direct deposits of {$4000.00} or more ) in the first days of opening the account. 

A month ago, in the beginning of XXXX I asked a bank representative to upgrade my account to Relationship Checking as I was expecting some wire transfers, and they should have been cheaper with this account type. The representative has gladly assisted me without any warnings. 

Few days ago, after not getting the bonus in the advertised dates I contacted the bank, and they told me I was denied the bonus because I changed the account type. They even attached Terms and Conditions for the offer, but didn't cite them, because there was nothing related in them. 

I tried to convince bank representatives that I haven't violated the Terms and Conditions on several occasions, but they dismissed my claims ( again, without any quotes from specific offer 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
Consumer complaint received 2025-04-04 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-04 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: AZ

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-04-04 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: NY

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I had entered a dispute with XXXX XXXX. They are a leasing company that I had put an application into for a rental property here in XXXX Virginia. 

The issue is that the owner made a decision based on information outside of the application and the information within the confines of the applicaiton. 

I want my money back from that application. 

I have tried to work with the company and got no where. 

It was a {$60.00} charge on XX/XX/year>2025. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
15 U.S.C. 1666-1666j Fair Credit Billing Act The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: PA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, PA XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX Subject : Formal Complaint and Request for Investigation Removal of Inaccurate/Unverified Negative Credit Report Items To Whom It May Concern, I am writing to formally file a complaint against one or more national credit reporting agencies ( Experian, Equifax, and/or TransUnion ) regarding inaccurate and unverified negative items on my credit report that have significantly impacted my credit score. 

Despite prior disputes and good faith efforts to resolve these matters directly with the credit bureaus, the negative items in question remain on my file without proper validation or lawful justification. I am now requesting the Consumer Financial Protection Bureau 's assistance in investigating this matter and holding the responsible reporting agencies accountable. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a credit report that is accurate, fair, and substantiated. The disputed accounts currently affecting my report were either : Not properly validated by the creditor ; Reported inaccurately or incompletely ; A result of outdated or unverifiable information ; Or never authorized or acknowledged by me in the first place.

These negative accounts are directly affecting my ability to obtain credit, secure housing, and maintain financial stability. They were either resolved long ago or were reported without adherence to federal regulations regarding consumer consent and verification timelines.

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 2025-04-04 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: PA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, PA XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington , DC XXXX Subject : Formal Complaint and Request for Investigation Removal of Inaccurate/Unverified Negative Credit Report Items To Whom It May Concern, I am writing to formally file a complaint against one or more national credit reporting agencies ( Experian, Equifax, and/or TransUnion ) regarding inaccurate and unverified negative items on my credit report that have significantly impacted my credit score. 

Despite prior disputes and good faith efforts to resolve these matters directly with the credit bureaus, the negative items in question remain on my file without proper validation or lawful justification. I am now requesting the Consumer Financial Protection Bureau 's assistance in investigating this matter and holding the responsible reporting agencies accountable. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a credit report that is accurate, fair, and substantiated. The disputed accounts currently affecting my report were either : Not properly validated by the creditor ; Reported inaccurately or incompletely ; A result of outdated or unverifiable information ; Or never authorized or acknowledged by me in the first place.

These negative accounts are directly affecting my ability to obtain credit, secure housing, and maintain financial stability. They were either resolved long ago or were reported without adherence to federal regulations regarding consumer consent and verification timelines.

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 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year>2025, I contacted Wells Fargo to report that my debit card was used in nine ( 9 ) unauthorized transactions totaling {$210.00}. A claim # XXXX was submitted, and I was issued a temporary credit while the investigation took place. 

However, on XX/XX/year>2025, I received a letter stating that my dispute was denied and that the credit would be removed from my account. I then called XXXX and spoke with a representative named XXXX, who stated that because the merchant had reported the transactions as fraudulent, Wells Fargo could not reverse the charges. 

When I requested proof of these transactions, XXXX informed me that a report would be ordered, and I would receive it in 30 days. During our conversation, she also questioned whether I had my debit card. When I clarified that I did not, she accused me of being untruthful. I found this to be highly unprofessional and offensive. 

I then requested to speak with a supervisor and was transferred to XXXX in the Resolution Department. She informed me that there was nothing further Wells Fargo could do about the reversal of the credit. However, she stated that she would send my dispute to another department, which would contact me in 30 days.

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United Collection Bureau, Inc.
State: IN

Complaint narrative:
Re : Complaint Against Indiana United Collection Bureau Unlawful Levy, FCRA/FDCPA Violations, and Deceptive Communications Dear CFPB Representative, I am writing to file a formal complaint against Indiana United Collection Bureau for unlawfully levying my bank account without prior notice or a valid court judgment and for engaging in deceptive debt collection practices in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On or about XX/XX/XXXX, I discovered that my bank account had been frozen without any legal notice or court documentation served on me. I have not been notified of any lawsuit, received no summons, and have not been made aware of a judgment that would legally allow such a levy. This lack of due process is a direct violation of my consumer rights and federal law. 

In addition to the unauthorized levy, Indiana United Collection Bureau sent a letter to my home that was misleading and deceptive in nature. These letters failed to provide proper validation of the debt, misrepresented the status of the alleged obligation, and used language intended to confuse or intimidate. This behavior appears to be a violation of the FDCPAs prohibition against deceptive and unfair collection practices. 

As a result of the account freeze, I am now facing serious financial hardship, unable to pay for basic living expenses and essential bills. I believe Indiana United Collection Bureau has used deceptive and unlawful tactics to bypass my rights as a consumer. 

I am requesting the CFPB to : 1. Investigate Indiana United Collection Bureau for violations of the FCRA and FDCPA.

2. Determine whether the levy was conducted without a valid judgment or notice.

3. Require the immediate release of the freeze on my bank account.

4. Review the collection letters for deceptive language and improper validation.

5. Take enforcement action as appropriate to hold them accountable. 

Please let me know if additional information is needed to assist in your investigation. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: MS

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 explanation
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I have been trying to refinance my home and the new lender ( XXXX XXXX XXXX  ) is requesting information from current lender ( freedom mortgage ), this information is the FHA case number so that my loan application can be completed, however they are not responding/ refusing to do so within a timely manner

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 2025-04-04 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: NH

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These false records are unfairly lowering my credit score and creating unnecessary financial roadblocks. I have always upheld my financial responsibilities, yet these errors persist. 

Under the FCRA, all reported information must be accurate and verifiable. If these remarks can not be substantiated with original, signed documentation, they must be removed at once. I expect immediate corrective actionany further delay will be considered deliberate noncompliance.

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 2025-04-04 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:
Experian has failed to investigate my concern regarding the late remark on mmy credit report. I have an account with XXXX XXXX WITH AN IMPECCABLE PAYMENT HISTORY. HOWEVER, I SHOWING A LATE REMARK OF 30 DAYS FOR XX/XX/year>2024 I WASNT 30 DAYS LATE, IM ASKING FOR A REMOVAL OF THE REMARK FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
This is a reappearance of a credit collection account on my personal credit that violates my rights according to the FAIR CREDIT REPORTING ACT & 15 USC 1692c.

According to 15 USC 1692c, you have violated my rights by unlawful communications. Please REMOVE this collection off of my credit report, Thank you. 

.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

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 explanation
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: FL

Complaint narrative:
This is a reappearance of a credit collection account on my personal credit that violates my rights according to the FAIR CREDIT REPORTING ACT & 15 USC 1692c.

According to 15 USC 1692c, you have violated my rights by unlawful communications. Please REMOVE this collection off of my credit report, Thank you.

.

Company response to consumer: Closed with explanation