vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XXXX XX/XX/year> i got and alert from Wells Fargo bank that there was suspicious activity on my account. I called and verified that all XXXX -- XXXX attempts to charge on my account were not mine. A claim was filed ( # XXXX ). On XXXX/XXXX  my alerts said that the claim was closed. When I looked on my account there were still XXXX charges that went thru in CA. I live in MN. They were all charged closely together along with the other XXXX that Wells Fargo reversed. ALL charges were not mine. The XXXX that remain~~ XXXX for {$75.00} at a XXXX XXXX in CA, and XXXX @ a different XXXX XXXX in CA for {$92.00}. I have called the fraud dept. Spoken to XXXX people up to XXXX a supervisor. Each said the investigators have deemed these charges as mine. I asked to talk to the XXXX, but was told they don't take calls. XXXX assured me a XXXX would call me...... I have not heard from XXXX. Wells Fargo is the XXXX who alerted me to these fraudulent charges and now they won't take care of them. In my 'message 's on my app my card was turned off and on multiple times when this activity was taking place. I did not make these charges, nor turn my card on and off. My card and phone where in my possession at all times. My balance dipped below {$0.00} because of this activity also! Please help. Thank you for your time.

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 2025-04-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX : # xxxxx XXXX, XXXX XXXX : # xxxxxxx XXXX, XXXX XXXX : # xxxxxxxxxxx XXXX, XXXX  BANKS C/O XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT : XXXX xxxxx XXXX, XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I reviewed my Equifax credit report and noticed incompletions and inaccuracies. 
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 of whom the report relates according to XXXX XXXX ( XXXX ) ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MD

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
TransUnion is reporting unauthorized inquiries, inaccurate personal data, and unverifiable derogatory accounts on my credit report, despite my lawful written disputes. These include : Unauthorized Inquiries ( No Permissible Purpose ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries lack the required written consent or documentation proving a lawful FCRA 1681b permissible purpose.

Metro 2 Violations in Account Reporting : XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) These accounts are reported inconsistently across bureaus, with missing or conflicting data, violating both FCRA and Metro 2 standards.

Misreported Personal Identifiers : TransUnion is displaying inaccurate name variations, previous addresses, and employment info that I never authorized and which do not match my lawful identity.

Failure to Investigate or Correct : TransUnion failed to verify these disputes or delete unverifiable data in violation of FCRA 1681i, and ignored my request under 1681g for full documentation supporting their reporting.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc.
State: NC

Complaint narrative:
This balance was paid XXXX on XX/XX/13. Received email of remaining balance for XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am formally disputing the following negative items on my credit report : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a victim of an identity theft, and I have tried to have this issue resolved with American Express, I have been trying to resolve this for over a year but seems like American Express representative sitting behind a desk doing nothing. The XXXX XXXX XXXX accounts opened in XXXX are fraudulent, never opened by me. Payments made on that account came from a fraudulent XXXX  XXXX XXXX account, I never had an account at XXXX  XXXX XXXX, that account was never opened by me. I went to XXXX  XXXX XXXX XXXX and under my name there is only XXXX account of course its a fraudulent account but that account is also closed since 2021, also that account has an address in another city I never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-04-09 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: WI

Complaint narrative:
This is my second follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.

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 2025-04-09 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: NY

Complaint narrative:
The accounts listed is a result of the Equifax breach, i have been directly affected. These are unauthorized accounts- XXXX XXXX  - Account XXXXXXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX Account XXXX Along with several inquiries from XXXX XXXXXXXX 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 2025-04-09 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: NY

Complaint narrative:
The accounts listed is a result of the Equifax breach, i have been directly affected. These are unauthorized accounts- XXXX XXXX  - Account XXXXXXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX Account XXXX Along with several inquiries from XXXX XXXXXXXX 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 2025-04-09 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: IN

Complaint narrative:
Hard inquiry needs to be removed from my credit report immediately There was an hard inquiry added to my credit report that's needs to be removed ASAP .. XXXXXXXX XXXX XXXX XXXXXX/XX/year>.. Needs to be removed immediately because it's fraudulent and inaccurate information that's affecting my credit score and violating my consumer rights I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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 2025-04-09 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:
DEPT OF EDUCATIONXXXX : # XXXX, XXXX XXXX : # XX/XX/scrub>/2023, has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This letter sent to Capital One. Removed personal information per CFPB instruction. This communication resulted from a phone call to Capital On today at XXXXXXXX XXXX  EST call lasted 39 minutes. I was instructed to write the letter below to Capital One disputing it. The Capital One CRM on the call stated and i knew that the {$100.00} was an increase in the credit line not owed funds. I was clear that the interest expense was {$0.00} and the penalty indicator at {$0.00}. Under penalty of perjury I have NEVER not paid my bill before the 10 Capital One due date. 

Both XXXX and XXXX are reporting inaccurate information. all one has to do is look at the {$0.00} owed. 

XX/XX/year> Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX RE : Dispute with Capital One / Misapplied XXXX XXXX XXXX XXXX  Reported the XXXX ( Credit Line Increase Was Reported As A Balance On The Capital One Statement Please Note : Taking The Following Into Consideration For issues related to information that Capital One has reported to the credit reporting agencies, you can dispute directly with us. 
For issues on your credit report that are not related to your Capital One account, you can dispute with the credit reporting agencies or with other credit institutions. 
The Fair Credit Reporting Act ( FCRA ) gives you the right to dispute incomplete or inaccurate information. Capital One is required to report accurately and conduct reasonable investigations of disputes. We will investigate your dispute using the information you provide, and we will respond within 30 days of receiving the dispute. 

Dear Capital One, Please be advice that I never place my full social security number in a letter. That is for obvious reasons. 

XXXX and XXXX are reporting that I have an outstanding balance of {$100.00}. The information used was from the XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( 1st Page Enclosed ) report indicating a new balance of {$100.00}. In the same statement no debt obligation was incurred ( no penalty or interest payments required ), that is because I have made 100 % of any payment obligation well before the 10th of a month ( the due date ), no question and confirmed by my bank. 

Here is what happened. My credit line increased by {$100.00}. It looks as though it was misapplied in the statement. My credit scored dropped! But I knew immediately I have never missed paying off owed funds before the Capital One due date. God willing, I never will!!! 

So, how do we fix this and restore my good name? I would appreciate your assistance. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had no acknowledgment and I did not authorize my credit to be ran on the following dates with the following companies : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAP ONE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I started making payments to this company for the vehicle and the company stated that the money that was paid would not be put towards the remainder of the vehicle. So the company in which I made payments to would not put the money for the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
The US Bank account # XXXX XXXX is in mine and my wife XXXX XXXX name. On XX/XX/year>XXXX  I deposited a check for {$1700.00} from my wifes Farmers account into the US Bank account above. 
On XX/XX/year> Farmers cleared the amount. Hence US Bank got the money. Today, XX/XX/year> during a recorded call with US Bank, they told me that the amount may not be in my account before XX/XX/year>. This is not acceptable. Pls help that this does not happen anymore.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
I am not 100 % Sure on dates, but in XXXXXXXX XXXX XXXX  a lady called me on my loan dept. I was just past my second late payment, so 2 payments back. I explained to her that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would try to be caught up before the next payment was due ( which I was ). She didn't like that and wanted me to pay her now as in right now. I explained again I didn't have any money to pay her right now. She told me I was not planning on paying the dept and I needed to pay her now. I again told her I know I owe the money and I will pay the money as soon as I can, but that still was not good enough she wanted money now. 
Now I am aggravated and told her again I do not have money now and honestly was more worried about how I was going to feed my kids and keep a roof over their heads. Well this made her really made and she told me that my kids wouldn't eat when she starts garnishing my wages. I was super made now and just told her good luck and ended the call. 
I was caught up with the loan and it was in good standing before the end of XXXX and had paid XXXX 's payment as well. Then I get a certified letter that says I am being sued for {$3400.00} with a 24.99 % Interest rate. This was filed on XX/XX/XXXX ; XXXX weeks after my loan was in good standing. 
Now trying to deal with the lawyers sewing me, I have offered a 1 time payment of {$2000.00} because I don't want them to be able to threaten me any more and the lawyer just keep repeating the same email of offing a payment of {$130.00} a month till paid. I do not want a payment plan and have asked at least 4 time for a 1 time payment with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: PA

Complaint narrative:
I closed on my house on XX/XX/XXXX. My house was a previous foreclosure and thus the taxes for the house were to be paid by my escrow balance at closing. My mortgage was originally owned by XXXX company, XXXX XXXX XXXX XXXX, this company sold the mortgage to XXXX XXXX on XX/XX/XXXX. XXXX XXXX never paid my XXXX XXXX taxes which were due by XX/XX/XXXX as well as my borough taxes which were due XX/XX/XXXX. The only taxes they paid for tax year XXXX was my school taxes due in XXXX of XXXX. They were paid on time. This matter was brought to my attention on or about XXXX of XXXX. I reached out to XXXX XXXX on or about XXXX of XXXX and I was told the taxes will be paid. It was brought to my attention in XXXX of XXXX the taxes were still not paid. I called XXXX XXXX again and they informed me my mortgage was being sold and was to be acquired by LoanCare XXXX on XX/XX/XXXX. I called LoanCare XXXX on or about the second week of XXXX of XXXX, they told me they didnt have record of taxes and had no indication taxes were due. During this phone call I uploaded the tax bills via their website. I called LoanCare LLC. About a week later prior to the bills being delinquent I called the XXXX XXXX XXXX who told me my XXXX taxes had yet to be paid. I called LoanCare XXXX back and they informed me the matter was being looked into despite me telling them the taxes are not paid and I requested a receipt when they were paid. As of XXXX of XXXX my taxes were still not paid by LoanCare LLC. On or about XXXX of XXXX I called LoanCare XXXX and was told the matter is still being looked into. As of XXXX of XXXX my taxes were still not paid by LoanCare XXXX. On or about XXXX of XXXX I called LoanCare LLC and was told the matter is still being looked into. On XX/XX/XXXX of XXXX I received a delinquent letter from XXXX XXXX tax claim bureau that the taxes have still not been paid. Please see attached documents of the bills and delinquent charges.

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