vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
My brother, XXXX XXXX, and I were both 50 % owners of a home. I then took out a loan against the home. XXXX passed away XX/XX/XXXX. It seems the mortgage company made an error and XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating their was an ownership discrepancy. I referred the letter to my trust attorney. The following is what happened : " A portion of this is from the XXXX XXXX I prepared : On XX/XX/XXXX, the real property at issue known as XXXX XXXX XXXX XXXX XXXX XXXX ( Real Property ) was owned by XXXX XXXX XXXX as to an undivided one-half ( ) interest, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dated XX/XX/XXXX, as to an undivided one-half ( ) interest, as Joint Tenants with rights of survivorship. This document was recorded on XX/XX/XXXX with document number XXXX. The legal description of the Real Property is as follows : XXXX XXXX XXXX XXXX XXXX  as per map recorded in Book XXXX, Pages XXXX to XXXX of Maps, in the office of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX created the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A Quitclaim Deed was prepared in regards to his XXXX percent ( 50 % ) interest in the XXXX XXXX being transferred into his trust. This document was recorded on XX/XX/XXXX with document number XXXX. 

On or about XX/XX/XXXX, a representative of XXXX XXXX XXXX XXXX prepared a Quitclaim Deed transferring his XXXX percent ( 50 % ) of the real property out of his trust to " XXXX XXXX XXXX AS TO AN UNDIVIDED ONE-HALF INTEREST and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, as to an undivided one-half ( ) interest, as Tenants in Common. 

At the time of his death ( XX/XX/XXXX ), the XXXX percent ( 50 % ) interest of the real property was held and is still held as " XXXX XXXX XXXX ''. ***A deed was NEVER prepared by the mortgage company transferring this asset back into his living trust. *** XXXX XXXX XXXX died on XX/XX/XXXX. 

XXXX requests this Court confirm that the additional XXXX PERCENT ( 50 % ) interest in this Real Property asset is subject to XXXX XXXX XXXX XXXX XXXX XXXX and under the control of XXXX XXXX XXXX as Successor Trustee. XXXX believes that this asset is subject to her control as Successor Trustee. '' XXXX XXXX XXXX cc : FTC 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 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/year> the XXXX XXXX XXXX started the process of depositing a check into my business account # XXXX in the amount of {$33000.00}. The XXXX XXXX XXXX requested to letter head from Bank of America verifying my account is active, and also requested for the document to be signed by the banks representative along with their contact information. 

Bank of America proceeded to make thing very difficult for me to get this information processed in order to submit to the XXXX for check deposit processing. Instead the only sent me a letter head in the mail, but refused to sign the document as requested by XXXX in order to fully deposit the check. This incident happened in XXXX, Tennessee at XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. I live in XXXX, TN and I also live in XXXX, Texas where my business is headquartered. Since the branch in XXXX did not cooperate I had to travel to XXXX, TX in order to get the document signed. XXXX XXXX signed and stamped the document for verification to submit to the XXXX on XX/XX/year>. 

I then submitted the document to the XXXX for processing the check into the amount of {$33000.00}. I signed the loan contract on XX/XX/year>. The deposit had been submitted for processing to deposit the check amounted in {$33000.00}. However, I received an email that I had not noticed that Bank of America had closed my bank account the same day of XX/XX/year> when the banker XXXX XXXX signed the document to verify my bank account for the XXXX XXXX XXXX. 

Since this incident occurred I never received my check in the amount of {$33000.00}. They started the process to close my bank account on XX/XX/year> without any explanation. I did have an overdraft of {$230.00} that I was about to pay as soon as possible. However, my account was closed before I had the chance to bring my account to a XXXX balance. Bank of America gives you 120 days in the negative before they close your account if not paid and brought back into a positive state. However, my business account was not that far along with a negative balance. 

Overall this incident cost me {$33000.00} that I never received to get my livelihood back into balance after facing tremendous challenges due to XXXX and life unfortunate circumstances. Please assist.

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 2025-03-08 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: DE

Complaint narrative:
I am filing a complaint against EXPERIAN and TRANSUNION for failing to properly investigate my disputes regarding inaccuracies and my credit report. Despite my submissions Experian & Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CPFA ) ,12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted and the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block & delete these accounts from my reports.

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 2025-03-08 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: FL

Complaint narrative:
These credit bureau violates my rights as a consumer and federal law

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 2025-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These credit bureau violates my rights as a consumer and federal law

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 2025-03-08 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: IL

Complaint narrative:
I did not authorizr anyone employed by these companies to make any inquiries nor to my pull my consumer report. In addition I did not give permission to furnish such items to my consumer report. The erroneous information violates Fair Credit Report ACT section 1681b ( c ) which constitutes as fraud.

I've attached my personal identifiable information to this complaint. FCRA section 605b ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The accounts that was not authorized ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: I.C. System, Inc.
State: IL

Complaint narrative:
I did not authorizr anyone employed by these companies to make any inquiries nor to my pull my consumer report. In addition I did not give permission to furnish such items to my consumer report. The erroneous information violates Fair Credit Report ACT section 1681b ( c ) which constitutes as fraud.

I've attached my personal identifiable information to this complaint. FCRA section 605b ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The accounts that was not authorized ; XXXX XXXX IC Systems Inquiries ; 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 2025-03-08 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: TX

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute the inaccurate information listed on my credit report. In accordance with 1

5 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This represents a violation of my consumer rights to privacy, as these entities have no legal basis to report anything under my name.

Additionally, I have identified unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 1028, I assert that I do not owe any debt to these entities and demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please confirm the removal of the disputed entries and provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC
State: MN

Complaint narrative:
They add income I didn't reserve over my income I was pressure in to a loan I never wanted and was told to answer questions that was not true to my knowledge and was stuck with a note and the car was not running well at all and I told them this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: MO

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian - Is reporting false and erroneously information and refuse to investigate my disputes, or share the information as to how and why this information is used or how they received it.

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 2025-03-08 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: MO

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/year>, I took a 10-minute taxi ride in XXXX XXXX with a quoted fare of XXXX XXXX  ( ~ {$4.00} USD ). The driver refused cash payment, insisting on credit/debit card only, and processed the charge through XXXX  ( a mobile payment system ). Claiming the payment wasnt going through, he had me try two different credit cards. 

During the transaction, I received a Capital One fraud alert and, under pressure, mistakenly confirmed the charge before seeing the amount he attempted to charge. The next attempted fraudulent charge was for {$260.00} USD instead of {$4.00} USD ( XXXX XXXX  was the amount I was told I was being charged ). Before I received notification that this charge went through, I paid XXXX XXXX  in cash ( the amount of the ride ), at which point the driver sped off, confirming it was a scam. I immediately locked my card and reported the fraud. 

Capital One denied my dispute without properly investigating. Their denial letter falsely claims that I benefited from the charge but provides no evidence. When I followed up, Capital Ones representative repeatedly questioned whether I was confused and asked if I had contacted the " merchant '' whose listed name is a hotel I never visited. The XXXX  system does not provide receipts, making direct resolution impossible.

This was clear fraud, I reported it immediately, and I received nothing in return for the charge. I request that Capital One reopen my dispute, conduct a proper investigation, and refund the unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: SC

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have disputed. 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX, GA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Accounts : 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 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Attached I have a self attestant signed by a state governmental entity, which is listed as one of the acceptable trafficking determination documents. 
According to the FCRA, consumer reporting agencies can only deny or rescind a block in limited circumstances : 1. The identity of the survivor can not be reasonably confirmed ; 2. The survivor did not provide documentation from an accepted source determining that they are a victim of XXXX  ; and/or 3. The consumer reporting agency can not identify the adverse credit information to be blocked. 
Sincerely, 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 2025-03-08 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: FL

Complaint narrative:
XX/XX/year> I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Account reference XXXX XXXXXXXX I asked for my letters giving them authorization and permission to run my credit.I never gave them permission to run my credit report or anyone else to do so, if they received my information from another party which they said was XXXX XXXX XXXX I never gave them authorization or permission to run my credit or share my information with anyone.They in return threatened me with giving it to a Lawyer.I received emails and text messages saying this.I want this hard inquiry removed immediately please.15 USC 1692cc I asked them to remove it from my credit report immediately they hung up on me.I also explained that XXXX was compromised hacked an my information was stolen.Id like it to show on my credit report it was deleted.Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
Creditor Verification of inaccurate items on my credit report. Credit Report Number : To Whom It May Concern, On ( XX/XX/XXXXXXXX  ), I received my credit report from you, which contained inaccurate information. Specifically, the following items are incorrect : XXXXXXXX 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