vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXubject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. 

The following accounts are fraudulent and must be removed from my credit report immediately : 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 Closed on XX/XX/XXXX I am formally requesting that these accounts be removed from my report within XXXX  days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. 

I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within XXXX days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
I am requesting that ALL negative, inaccurate, and harmful information reported by XXXX XXXX Bank XXXX XXXX removed from my credit reports, and that any positive or helpful data be corrected and accurately reported. 

This account was charged off but has since been paid, and the balance is {$0.00} as of XX/XX/year>. However, my credit reports still show misleading, harmful, and inconsistent information that violates the Fair Credit Reporting Act ( FCRA ). 

Here are the problems : Experian and Equifax both show the account as a charge-off with multiple late payments, yet the TransUnion report shows XXXX late payments and no payment history at all. 

Equifax reports the account with XXXX late payments, Experian with XXXX, while TransUnion shows XXXX. These differences can not all be accurate. 

Equifax shows a high balance of {$130.00} but a credit limit of {$0.00}, while Experian and TransUnion show a credit limit of {$100.00}. 

Payment history is missing or marked as N/A for most months across all three bureaus. 

Remarks say Unpaid Balance Reported As A Loss and Charge-Off even though the account is closed with a {$0.00} balance. 

These reporting issues are damaging my credit and are unfair, especially after this account has been settled and closed. Per FCRA law, information must be accurate, complete, and verifiable this account fails all three. 

I am demanding : Immediate deletion of all negative remarks related to this account across Equifax, Experian, and TransUnion. 

Removal of all late payments, charge-off statuses, and collection remarks. 

Correction or deletion of payment history showing inconsistent or unverifiable data. 

Ensure that the account either reflects a fully paid, positive closed account or is completely removed from my credit reports. 

I am including screenshots of my credit reports from all three bureaus showing the conflicting and damaging information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
I am requesting that ALL negative, inaccurate, and harmful information reported by XXXX XXXX Bank XXXX XXXX removed from my credit reports, and that any positive or helpful data be corrected and accurately reported. 

This account was charged off but has since been paid, and the balance is {$0.00} as of XX/XX/year>. However, my credit reports still show misleading, harmful, and inconsistent information that violates the Fair Credit Reporting Act ( FCRA ). 

Here are the problems : Experian and Equifax both show the account as a charge-off with multiple late payments, yet the TransUnion report shows XXXX late payments and no payment history at all. 

Equifax reports the account with XXXX late payments, Experian with XXXX, while TransUnion shows XXXX. These differences can not all be accurate. 

Equifax shows a high balance of {$130.00} but a credit limit of {$0.00}, while Experian and TransUnion show a credit limit of {$100.00}. 

Payment history is missing or marked as N/A for most months across all three bureaus. 

Remarks say Unpaid Balance Reported As A Loss and Charge-Off even though the account is closed with a {$0.00} balance. 

These reporting issues are damaging my credit and are unfair, especially after this account has been settled and closed. Per FCRA law, information must be accurate, complete, and verifiable this account fails all three. 

I am demanding : Immediate deletion of all negative remarks related to this account across Equifax, Experian, and TransUnion. 

Removal of all late payments, charge-off statuses, and collection remarks. 

Correction or deletion of payment history showing inconsistent or unverifiable data. 

Ensure that the account either reflects a fully paid, positive closed account or is completely removed from my credit reports. 

I am including screenshots of my credit reports from all three bureaus showing the conflicting and damaging information.

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 2025-05-03 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: PA

Complaint narrative:
Subject : Wells Fargo ( XXXX ) - Claim # XXXX This complaint is to inform you that on XX/XX/XXXX I received a letter from Wells Fargo saying that someone tried to use my debit card gambling on XXXX for {$1000.00}. I am retired and on Social Security & I can not afford to spend {$1000.00} on anything. At first when I spoke with Wells Fargo they debited the money & then after they expedited the claim which didnt do anything they took it out of my account. They said they had proof but it would take XXXX  days for me to get it. 
I have been with Wells Fargo since 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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Experian promptly block the fraudulent and unauthorized accounts listed below from my consumer credit report within XXXX business days of receiving this notice. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I dispute the accuracy and completeness of these items and demand a proper reinvestigation and removal as required by federal law.

The fraudulent accounts appearing on my credit file include : An auto loan with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$20000.00} A utility account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$730.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1100.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1100.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1100.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1200.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1100.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1100.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$950.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$950.00} A collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$290.00} Under FCRA Section 611, I demand that Experian not only reinvestigate these disputed accounts but also provide me with detailed documentation showing how each account was verified as accurate, including the method of verification and physical proof used to confirm the legitimacy of the reported information. Failure to provide this evidence will constitute a violation and establish prima facie evidence of false and fraudulent 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 explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it XXXX concern please investigate : Company : Citibank , N.A . 
Debt Collector / Attorney : XXXX XXXX XXXX, XXXX Account/Case : Citibank XXXX XXXX XXXX # XXXX Summary of Complaint I am filing a complaint against Citibank , N.A . and XXXX XXXX XXXX XXXX XXXX regarding the collection of an alleged debt and violations of my consumer rights. 

Citibank has been involved in past litigation related to the Telephone Consumer Protection Act ( TCPA ), Fair Credit Reporting Act ( FCRA ), and arbitration practices that limit consumer protections. Specifically, there have been findings that Citibank has willfully violated consumer protection laws and used arbitration clauses in ways that restrict fair resolution. 

XXXX XXXX XXXX, XXXX is the attorney debt collector representing Citibank in this matter. This law firm has been subject to class action lawsuits for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the California XXXX Fair Debt Collection Practices Act, including abusive, deceptive, and unfair debt collection practices. 

I have disputed this alleged debt and invoked my right to arbitration under the card agreement. Despite this, I continue to receive collection letters, threats of litigation, and pressure to pay a debt that I have challenged. I have not received full validation of the debt or a good faith pause in collection activity while my dispute and arbitration election are pending. 

Importantly, this complaint is focused on requesting the CFPBs investigation into ongoing consumer protection violations, not on intervening in my separate court case. I have been forced to seek legal remedies in court, including filing motions to challenge improper judgments, because of these continued violations. 

Details of Harm / Unfair Practices - Failure to properly validate the debt - Attempting to collect during an active dispute - Ignoring arbitration rights under the card agreement - Aggressive collection tactics and legal threats - Lack of transparency regarding assignment of the debt - Failure to comply with FDCPA and Rosenthal Act protections Please investigate, they dismiss consumer rights : -Stop collection effort from other accounts of junk debt purchased without legal standing and evidence. 
- Immediately cease and desist collection efforts- Respect my election of arbitration and withdraw any legal threats - Provide complete documentation validating the debt and chain of assignment, FFA - Ensure compliance with FDCPA, FCRA, TCPA, Rosenthal Act, and related laws - CFPB investigation and regulatory oversight of both Citibank and 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 2025-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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:
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 15 USC 1681. 
Convergent Account # XXXX * * * * has violated my rights. 

I am writing to formally dispute a fraudulent account that appears on my Equifax, Experian, and Transunion credit report. I recently obtained a copy of my credit report and discovered information that does not belong to me. This account was not opened or authorized by me, and I believe I have been a victim of identity theft.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I accepted an offer about a Flex pay plan with the interest rate of 9.99 % for 60 months on XX/XX/year>. I accepted the offer but noticed on the XX/XX/XXXX statement that the computation was in correct because I paid the account down from {$10000.00} to {$6300.00} by XX/XX/XXXX ( knowing that my billing cycle ended on XX/XX/XXXX and that's when the computation of interest would end. Upon checking my statement on XX/XX/XXXX, I found that I owed interest on {$7200.00} instead of the XXXX ; the interest was calculated incorrectly. The interest should have been {$53.00} instead of {$59.00}. also the monthly recurring charge should be XXXX instead of {$210.00}. When doing the math, {$10000.00} at 9.99 % for 5 years, it appears that I borrowed {$10000.00} instead of the {$10000.00} that I actually borrowed! I contacted a customer service representative on XXXX that was unable to answer as to why and I asked for a XXXX whom put me on hold to reach out to someone to assist, came back in the phone XXXX minutes later but couldn't explain the method of computation, she was unable to and never reached out to someone to assist her. She asked me " what does computation mean '' She kept going over the fact that I had to pay the monthly recurring charge but never explained the interest charges and how it was computated. She finally got frustrated and hung up on me because I kept asking her to explain how she arrived at the interest rate and monthly recurring charge. She never addressed my reason for calling nor did she resolve the issue. Simply hung up on me even after I tried repeatly explaining the math.

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 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft. 

The fraudulent accounts include : XXXXXXXX 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 XXXXXX/XX/XXXX These accounts were added without my consent, and I had no involvement in authorizing or initiating them.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

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 15 USC 1681. Account name : XXXX Account XXXX XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed my payment history is incorrect. 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. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 2025-05-04 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
State: CA

Complaint narrative:
Bank of America made it very confusing and nearly impossible to pay off my credit card balance, effectively forcing a high-cost, involuntary loan that led to extra fees and credit-score damage : XXXX XXXX XXXX XXXX : I scheduled a {$310.00} payment via BoAs Bill Pay.

XXXX XXXX XXXX XXXX : The payment bounced because my linked checking account had closedand BoA immediately suspended all Bill Pay access. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Every attempt to pay online or through the mobile app failed due to the suspension. 
XXXX. I called customer service multiple timeseach with hold times over an houryet my access remained disabled and no solution was offered. 
XXXX XXXX XXXX XXXX : Realizing online payment was impossible, I spent considerable time on the phone and paid {$330.00} by voicestill without restoring Bill Pay. 
XXXX. As a direct result, BoA charged a late fee on XXXX XXXX XXXX, and reported my account 30 days past due for XXXX XXXX XXXX XXXX and 60 days past due for XXXX XXXX 
XXXX. XXXX XXXX XXXX : Without notice, BoA closed my accountand my XXXX XXXX statement showed a past-due balance of {$16.00} and a minimum payment of {$16.00} due by XXXX XXXX XXXXyet I had no way to pay online or via the app. 
XXXX. I finally paid the {$16.00} past-due amount on XXXX XXXX XXXX but only after three separate phone callshighlighting how needlessly burdensome BoAs process was for a trivial payment. 
XXXX. In its XXXX XXXX XXXX response, BoA claimed no indication of a bank error, refused to reinstate Bill Pay, reverse the remaining fees, or correct my credit report, and dismissed Bill Pay as a mere self-service feature. BoA claimed to have granted a one-time {$28.00} service adjustment for the XXXX feebut this token credit never appeared on my closed account. 
XXXX. By suspending my payment channels after one missed transaction, closing my account without notice, and forcing multi-hour waits, BoA effectively imposed a high-cost, involuntary loan and guaranteed I would incur further penalties and credit-score harm.

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