vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX Last 4 of SSN : XXXX Dear Credit Bureau 's Compliance Officer / Debt Collector, I am writing to formally dispute an erroneous Eviction Record ( XXXX XXXX XXXX XXXX ) that is currently appearing on my Credit Report. This record has been deemed UNVERIFIED, and I am requesting its deletion in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p.

I have diligently pursued resolution of this matter with the relevant consumer companies responsible for reporting the eviction. They have since expunged the Eviction Records from their files due to the inability to verify the account.

As per the provisions outlined in the FCRA, I am demanding a comprehensive investigation into this matter and the immediate removal of the inaccurate eviction record from my credit report.

Additionally, I request written confirmation of the investigation 's results, along with a detailed explanation of any findings.

Please be aware that you have 30 DAYS from the date of receiving this letter to either delete this account or provide unequivocal DOCUMENTATION that verifies this account. I emphasize that it is not my intention to merely request an automatic verification without appropriate evidence. Despite significant effort on my part to assert my rights, no company has thus far provided any information regarding this Eviction Record, which is currently impeding my ability to secure housing.

Failure to comply with this request and adhere to the regulations set forth in both the FCRA and FDCPA could result in my filing Official Complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX and the Office of the Attorney General.

I urge you to consider this matter with the seriousness and prompt attention it deserves. I trust that you will act in accordance with the laws that govern your operations, ensuring fairness and integrity in your reporting. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
a/c XXXX This complaint is being submitted because of the lack of response to numerous requests sent to Wells Fargo personnel , including their CEO, XXXX XXXX XXXX XXXX last being XXXX  Specifically on their case # XXXX ONLY ( per attached communications )

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 2025-06-17 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-17 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

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 2025-06-17 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I reviewed my credit report, and I have formally disputed fraudulent accounts that have appeared on my credit report. These do not relate to any transactions that I have made and after careful review, I determined these accounts are a result of identity theft. I have taken the necessary steps to address this issue, including filing a report with FTC which will be included that was submitted to the credit reports and they still have not removed the accounts from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX  listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: OH

Complaint narrative:
This letter is regarding XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which you claim I am never late of payment. Please removed the Late payment remarks on my Credit Report. 

This letter is regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim I am never late of payment. Please removed the Late payment remarks on my Credit 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 non-monetary relief
Consumer complaint received 2025-06-17 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: OH

Complaint narrative:
This letter is regarding XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which you claim I am never late of payment. Please removed the Late payment remarks on my Credit Report. 

This letter is regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim I am never late of payment. Please removed the Late payment remarks on my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made two charges on my CareCredit card in XXXX XXXX for {$330.00} and another for {$99.00}. The larger amount was placed on a six-month promotional plan with no interest, while the {$99.00} was a standard purchase that would accrue interest if not paid in full. 

I made a {$100.00} payment less than a month after both charges, with the intent of covering the {$99.00} standard purchase. Despite this, I was charged interest in both XXXX and XXXX on that {$99.00} balance, even though it should have been paid off in XXXX. As of XX/XX/XXXX, Ive paid {$300.00} total toward the card, yet interest continues to accrue. 

I reached out to CareCredit customer service assuming this was a simple error, but instead encountered conflicting and inaccurate information. I spoke with XXXX XXXX employee # XXXX ) over the phone, and later with XXXX XXXX via chat. 
- XXXX agreed to remove one interest charge, but refused to remove the other. He also falsely claimed that the standard purchase was already paid off, so he couldnt reallocate any past paymentsdespite the fact that a balance still shows due and the bank has acknowledged it can reallocate payments from the past 60 days. 
- XXXX XXXX refused outright to remove the charges or properly reallocate the payments. Despite multiple explanations and my request to follow the correct allocation process, he declined to take any corrective action. Full chat has been attached. 

Throughout these interactions, I was told that payments are applied first to promotional balances, which is the opposite of what the Credit CARD XXXX of 2009 requires. The law clearly states that any payment above the minimum must be applied to the balance with the highest interest rate first. 

In my case, that should have been the {$99.00} standard purchase, not the 0 % promotional balance. Their repeated claim that I needed to call in to request this allocation is not consistent with the law, and appears to be designed to let interest accrue unnecessarily. 
I am escalating this not only to correct my account but also to ensure that other customers are not misled or unfairly charged due to these practices.

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 monetary relief
Consumer complaint received 2025-06-17 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:
" 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 explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage charged me {$4600.00} in legal fees after initiating a foreclosure action due to missed payments. However, these missed payments occurred only because I was never notified of the mortgage servicing transfer from XXXX to Freedom Mortgage in XX/XX/year>2024.

For over 13 years, I had automatic payments in place with my prior servicer, and I was never late. When Freedom took over, the autopay stopped but I was not notified via certified mail, phone, or email about the transfer.

Upon receiving a foreclosure notice, I immediately wired the full payment and reinstated the loan. The foreclosure was dismissed, but the legal fees were added to my account. Both Freedom and their legal counsel have refused to remove them.

I believe this is unjust and may violate the RESPA notice requirements that mandate notification of servicing changes both before and after the transfer. I am requesting that Freedom Mortgage remove these legal fees and correct the record on my account.

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 2025-06-17 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX WA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX  down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked that the fraudulent account be blocked and deleted from report within four business days and my request was denies even though I provided all docs needed.

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 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: PR

Complaint narrative:
Issue : Scammed by XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  ACIMA Lease : # XXXX. 
Contact Ref : ref :! XXXX.! XXXX : ref On TUE XX/XX/2025 - XXXX, I contacted an ACIMA representative to report that I had been scammed by XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX requesting again that the contract be canceled. 
XXXX XXXX XXXX  sold me a chain and bracelet set as XXXX gold. The items they sent were tested at three jewelry stores, which determined they were fake.

The items are not gold. They are silver with a chemical process that allows the silver to take on the color of gold. There is no gold plating.

The cost of these items is less than approximately {$200.00}, according to the information provided by the three jewelry stores that verified the authenticity of the jewelry. 
According to the representative who assisted me ( on TUE XX/XX/2025 ), I was told that if I did not agree with the items, I could return them to ACIMA without a refund or credit for what I had been debited and/or billed. I was also given the option to keep the jewelry and pay an approximate amount of {$900.00}. 
From XX/XX/2025 to XX/XX/2025, ACIMA debited my account and billed me the amount of {$1000.00}. Recently, on Friday, XX/XX/2025, at XXXX XXXX, I received a collection notification via email from ACIMA. I have the Early Purchase Amount option : {$2600.00} + tax, which is unacceptable. Likewise, the Remaining Total of Payments amount of {$3500.00} + tax indicated in the ACIMA lease agreement is excessive and unacceptable for a garment that has an approximate lower cost on the market of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am submitting this complaint to formally request the immediate removal of a fraud alert from my credit file. My name is XXXX XXXX, and I previously requested a fraud alert as a precautionary measure. However, I no longer believe this alert is necessary. Despite my written request to have the alert removed, it remains on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I have the right to add or remove fraud alerts from my credit report as needed. Keeping this alert in place is now causing unnecessary obstacles and delays in my financial activities, including credit approvals and account openings. I am attaching valid identity verification documents, including my government-issued ID and proof of address, to support this request. I am requesting that the credit reporting agency promptly : Remove the fraud alert from my credit report Provide written confirmation once the removal has been completed I appreciate CFPBs assistance in resolving this issue with the credit reporting agency.

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 2025-06-17 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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