vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Over the past year Wells Fargo has sent me money either because of the law suit or that I over paid them the monthly mortgage hoping the extra would go on the past due balance. So here I am trying to give them more and past due but they dont want the extra money and give back to me. It makes no sense. Why give me what was about XXXX in checks from a law suit and then probably another XXXX on over paying them when I am past due? I am trying to pay off the past due amount the only can right now. The we are here to help again bull XXXX! They are setting me up to loose. They clearly dont want my money and would rather kick a white American family with small children out to let some illegal XXXX get my childhood home. When I call I get some random XXXX thats doesnt know XXXX. I just want to deal with XXXX person not random people.

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 2025-02-21 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name XXXX XXXX XXXX XXXXN Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-21 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: LA

Complaint narrative:
Kindly ensure the prompt removal and blocking of these unauthorized accounts from my credit report. I did not authorize or recognize these accounts. As stated in USC 1681g, I formally request their removal within the next 15 days. Enclosed are supporting documents for your review.

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Credit reward certificate expired and that was not information that was provided on the APP. XXXX is willing to provide store credit but citi will not provide documentation on the reward certificate

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 2025-02-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I previously disputed and successfully had the following fraudulent accounts removed from my credit report : XXXXXXXX XXXX ( XXXX ) and XXXX ( XXXX and XXXX ). After multiple disputes, these accounts were finally deleted from my XX/XX/2025 credit report. However, despite this, Equifax has now put them back on my XX/XX/2025 report. This is completely unacceptable and a serious violation of my rights. Deleted accounts can not just be reinserted without proper proof that they are accurate and a written notice sent to me within five business days. I never received any such notice, which means Equifax has knowingly violated federal law and failed to follow basic procedures to ensure my report is accurate. This situation is even more frustrating because XXXX and XXXX have not reinserted these accounts, proving that Equifax is the only one failing to do its job properly. There is no excuse for this kind of negligence and recklessness. The fact that I had to dispute these fraudulent accounts multiple times and now have to do it again only adds to the financial and emotional stress that Equifaxs carelessness has caused me. The repeated reinsertion of these accounts is harming my credit and financial stability by making it look like I have accounts that I do not. Equifaxs refusal to prevent this from happening shows a complete disregard for its responsibility to maintain accurate reports. This is not just an error ; this is a pattern of failure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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:
I am a victim of identity theft. The following are fraudulent accounts on my credit report that need to be removed immediately. 
XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX {$7500.00} Opened XX/XX/XXXX, Transfered/Closed. 
XXXX. XXXX XXXX. {$29000.00}. Opened XX/XX/XXXX. Charged Off.

3. XXXX. {$2200.00}. Opened XXXX XXXX XXXX 
XXXX. XXXX XXXX. {$450.00}. XXXX XX/XX/XXXX. Charged off. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. {$2500.00}. Opened XX/XX/XXXX. Charged off. 
XXXX. XXXX XXXXXXXX XXXX. {$15000.00}. Opened XX/XX/XXXX. Charged Off. 
XXXX. XXXX XXXX. {$8500.00}. Opened XX/XX/XXXX. Charged Off. 
XXXX. XXXX XXXX. Paid. Opened XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX. {$270.00}. Opened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Your companys inquiries are sitting on my credit report, lowering my score, and making things more stressful than they need to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
i am listing XXXX inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. i had a call with the company and the reporting agency advised me to file an identity theft report for deletion. i am requesting Transunion to mark these inquiries fraudulent and remove from 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 2025-02-21 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear sirs, I am writing to bring your attention regarding an erroneously automatic debit card payment done on my XXXX XXXX XXXX  account for about XXXX years. 

On XXXX XXXX, XXXX, I advised XXXX some debits that I did not recognize after an investigation, they just recognized some charges except {$43000.00}. 

After going several times and writing to both, Bank of America and XXXX, they both act like separate entities and did not provide the information that I know I am entitled to. 

After several inquiries in Bank of America, I was told that the debits on my account were done by a credit card in the name of XXXX XXXX XXXX. Kindly notice that my wife 's name is XXXX XXXX XXXX XXXXXXXX. Those charges were done erroneously for about XXXX years, and that person did not notice from where the credit card had been paid from and even more when the monthly charges were at least {$8000.00} monthly. 

Since these recurring payments were authorized at the credit card level, the issuer of the credit card is Bank of America, so they should have a form where this person, XXXX XXXX XXXX, provided my account information to the bank for the debit or it was a big error of Bank of America that they linked the incorrect account for the recurring payments. However, at this point, they do not want to admit it or investigate how it happened since I do not have access to other clients ' credit card numbers and I hope other clients do not have access to my accounts for privacy reasons which it does not look like that was the case. 

I need that they recognize the error and I get reimbursed for the {$43000.00} or I will contact XXXX XXXX XXXX to demand payment through a lawyer. 

Hoping that you can help me with this important issue, Best regards,

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 2025-02-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: OH

Complaint narrative:
There's several inquiries on my credit report that I do not recognize. I am not sure how someone got my information but I am trying to correct it. I contacted Transunion over the phone about the inquiries and they told me to go online and create an identity theft report. They said that once I send them a copy of the identity theft report that they would remove the inquiries from my credit report. I did everything they asked me to do but they still have not removed the inquiries. This is causing me so much stress while I am trying to get this issue resolved. I am pressed for time because I am trying to buy a home for me and my family but these inquiries are holding me back! 

Here 's a list of the inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> I am submitting this complaint to get help from the CFPB with getting this issue resolved since Transunion is not cooperating. XXXX has already removed these inquiries so im not sure why Transunion is giving me such a hard time. Please help! 

I've attached a copy of the identity theft report along with copies of my ID and social as proof of my identity and proof of my address. 

Thank you!

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX all is well. I made my minimum payment of {$230.00} XXXX XXXX, 2025 as you can see by the screenshot the time and date. I paid the minimum payment that it told me to pay online I didn't just make that number up of {$230.00}. All of a sudden you are saying XXXX delinquent and this is an attempt to collect a debt when I paid what it told me to pay the minimum due of {$230.00}. My account has been messed up since your agent told me to make another payment and the original payment was not going to retry. It's wrong to tell me I paid the wrong amount and threaten me that this attempt to collect a debt when I paid theminimum due of {$230.00} that was in the system to pay.Please look at my screenshots carefully and you can see why I paid {$230.00}. The fees and the attempt to collect a debt should be removed/refunded and stopped because it's not my fault your system told me to pay {$230.00} and that's why I paid that XXXX isn't right and my account needs to be fixed. Not that I dont agree it is absolutely wrong. I have been a customer for over 15 years long time and I have not ever had an issue the issue started when your agent gave me the wrong information. I paid the {$230.00} because that was the minimum due on XXXX XXXX, 2025. I dont think you are really looking at my account. This is not right my account needs to be corrected. I dont know what your seeing on your end but on my end the minimum due on XXXX XXXX, 2025 was {$230.00} which is what I paid. Please fix my account. Thank you for your time. Have a wonderful day!!

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Wells Fargo handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Wells Fargo numerous times and reporting discrepancies, my financial institution and Wells Fargo failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Wells Fargo has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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 2025-02-21 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

EXPERIAN 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 h
as violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

EXPERIAN 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 h
as violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
This is my formal dispute against Toyota Motor Credit Corporation for its false and inaccurate reporting of late payments for XX/XX/year> on both XXXX and XXXX. This reckless misreporting is a blatant violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate information, and 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies ensure maximum possible accuracy. Your failure to correct this error after repeated disputes is an outright violation of 15 U.S.C. 1681i ( a ), which requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. Furthermore, your noncompliance with 12 U.S.C. 5531which prohibits unfair, deceptive, and abusive acts or practices ( UDAAPs ) demonstrates a clear disregard for federal consumer protection laws. I have never missed a payment, and Toyota 's willful negligence in reporting false late payments has directly harmed my credit, and financial standing, and caused undue distress. Your failure to fulfill your legal obligations under FCRA 1681s-2 ( b ), which mandates proper investigation and correction of inaccurate reporting, is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation