vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : 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 CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX  - Account Number XXXX XXXX * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX * * XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX CARD - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  A Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX I disputed a transaction which was a deposit from enterprise company to my account. My account showed I received the {$280.00} deposit but the funds were never added to my available balance. I never received the {$280.00} deposit. 
XXXX Excessive overdraft fees in amounts of {$72.00}, {$36.00} multiple times resulting in my account being- {$270.00} ( estimate ). Overdraft Fees were charged when I made purchases with money in my account. I was wrongfully charged and bullied out of almost {$300.00} they waived {$90.00} in fees but my account was still negative. 
XXXX I was charged {$72.00} fees for the time it took for money to reach my account when I paid the balance off before the overdraft grace period ended. They never refunded the funds or waived any fees. 
XXXX My account was - {$72.00} because their flawed unfair system and their charging me another {$72.00} tonight if I dont pay the {$72.00}. This is extortion, fraud, and bullying. 
They won't do anything about their robbery practices so this is the route im taking.

I am homeless because of this overdraft thing they put me through! My rent payment got rejected 5 days later after rent was due resulting in late fees and making it impossible for me to afford my rent. I have screenshots to prove the wrongful fees directly caused homelessness which i had money in my other account as the screenshots will show.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
Equifax has failed to update my credit report with proper current mailing address information I provided to them in a Certified mailing with electronic return receipt on XX/XX/XXXX which included a XXXX copy of my valid XXXX Passport and Social Security Card - both items which Equifax has already had on file since XXXX and received again from me in XXXX - all sent from the same mailing address using Certified mail with electronic return receipts. I have repeatedly and exhaustively confirmed and proven my identity as well as my correct mailing address - the same mailing address already being reported to Equifax every month by all of my creditors. 

In direct violation of FCRA - Equifax failed to remediate the issues documented in my Certified mailing dated XX/XX/XXXX. 

They subsequently improperly and unlawfully denied my access to my XXXX online account on XX/XX/XXXX when I was attempting to unlock my credit report to apply for credit with a major XXXX bank. I sent a Certified letter with electronic return receipt, notarized. - this means my identity was verified by the Notary Public and there is a record in her office confirming same, with another XXXX copy of my valid XXXX Passport, Social Security Card, and again implored them to immediately reinstate access to my XXXX online account so I could properly unlock and lock my credit profile. No response has been received. 

In direct violation of FCRA, Equifax has failed to remediate the issues documented in my XX/XX/XXXX Certified mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: WA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a checking and savings account with Wells Fargo. On XX/XX/XXXX I sold something online to somebody and they gave me a check to put in my account for {$1400.00}. It was odd though because it only made {$400.00} available until XX/XX/XXXX. Later on that day on XX/XX/XXXX, I got a notification for closure of both my accounts. I was confused as to why that happened so I called them and they said it was a fraudulent check and I likely got scammed so they said XXXX close my accounts and I couldnt open another with them again. So I was like alright thats fine, then on XX/XX/XXXX when I opened my account I had {$900.00} in debt between both my accounts. I called them and they said I had to pay that off because XXXX liable for it. I had only used {$100.00} of that money when I didnt know I was scammed and, {$1000.00} of it I didnt even get to see in my account, and I tried to explain that but the person on the phone was getting angry with me. The only movements i made with that money was the {$100.00} XXXX spent before I knew it was a fraudulent check and I had transferred {$400.00} from my savings into my checking but then I sent the {$400.00} right back into my savings within seconds.

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 2025-06-03 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: AL

Complaint narrative:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I wanted to pay or set up a XXXX XXXX XXXX but its asking me for a zip code and i dont know which one it is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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

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 2025-06-03 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: VA

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 explanation
Consumer complaint received 2025-06-03 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 have recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-03 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I wrote a check on XX/XX/year>, for {$41.00} to XXXX XXXX XXXX. The amount was withdrawn by Citizens Bank from my account but XXXX never received the money. I was told that XXXX Bank never paid the money to XXXX due to an endorsement issue. Citizens has been going through their " process '' since XXXX, when I figured out what was going on. First, they transposed the check number. After that was corrected, I started following up periodically. I am told they must perform their " process. '' The money has yet to be redeposited to my account. It seems that if there is no law against it, they can get away with it. Since the law only applies to debit cards and not checks, they can do whatever they want. They've had my money for XXXX months now, and they are not required to reimburse me. They say they're still waiting for XXXX Bank to return the money to them before they will reimburse me. I reminded them that I have been a customer for over XXXX years and keep at least {$1500.00} in that account ( currently {$7000.00} ) so they should consider me a good customer and return my {$41.00} without waiting for XXXX. They state that if they did that for me, they would have to do it for everyone, which is nonsense, and I told them so. I told them they should treat each customer individually and take each customer 's history into consideration. They prefer to lump everyone together as possible XXXX. I will be XXXX XXXX XXXX next year, and am fortunate enough that I do not live from XXXX XXXX to deposit and depend on that {$41.00} to help pay for food or rent. Even so, this situation has gone on for much too long.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK
State: CA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX, and I am a XXXX XXXX XXXX writing to formally submit a complaint regarding the unaffordable terms of my recently approved mortgage loan modification. 

I rely solely on my XXXX  income to support not only myself but also my elderly mother and adult brother, both of whom depend on me financially. In addition to the challenges of maintaining our home, I am currently facing serious medical issues that have resulted in substantial out of pocket expenses and ongoing medical bills. These burdens, combined with other debts and daily living expenses, make the terms of the current modification impossible for me to sustain. 

Under the modified agreement, the terms are as follows : * * * Principal Balance : * * \ {$480000.00} * * * Interest Rate : * * XXXX  % * * * Maturity Date : * * XX/XX/year> * * * Modified Monthly Payment : * * * Principal and Interest : \ {$3100.00} * Escrow : \ {$720.00} * * * Total Monthly Payment : * * \ {$3800.00} This monthly payment is well beyond my means. As someone who has served this country and continues to serve my family through financial and emotional support, I am reaching out to request reconsideration for a more affordable modificationeither in the form of a lower interest rate, reduced monthly payment, or principal forgiveness. 

This situation has been a source of immense stress and emotional strain, especially while navigating my health challenges. I am doing everything I can to honor my obligations and keep my home, but I truly need a more compassionate and realistic solution that reflects my financial reality. 

I respectfully ask that this complaint be reviewed with the understanding that I am not seeking to walk away from my responsibilitiesonly to find a path that is viable under the circumstances I am facing. 

Thank you for your time, consideration, and any support you can offer in helping me secure a more sustainable resolution. 

Sincerely, XXXX XXXX XXXX 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 2025-06-03 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: NJ

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

"

Company response to consumer: Closed with non-monetary relief