vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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 AND XXXX 

Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
I am writing to formally dispute and request the immediate blocking of inaccurate or fraudulent information from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c2 ].

I am a victim of identity theft. After reviewing my credit report dated [ Insert Report Date ], I noticed numerous inaccuracies and inconsistent data across all three credit bureaus. These discrepancies include : Inconsistent names, addresses, and account reporting across bureaus.

Accounts with late payments, charge-offs, or activity I do not recognize or authorize.

Data reported differently by each credit agency for the same account.

Fraud alerts already filed with TransUnion and Experian.

Per FCRA 605B, I am requesting that the following items be blocked from my credit report as they resulted from identity theft and do not belong to me : [ List suspicious account names, numbers ( last 4 digits ), and reporting agency if known e.g., XXXX XXXX XXXX ( Experian ) XXXX XXXX ( varies across agencies ) XXXX XXXXXXXX XXXX ( TransUnion vs. Equifax ) XXXX XXXX XXXXXXXX ( missing from Equifax ) ] Enclosures included for this request : 1. A copy of my valid government-issued photo ID.

2. Proof of current address ( e.g., utility bill or lease ).

3. A copy of the Identity Theft Report filed with [ Police Dept/ FTC ], dated [ Insert Date ].

4. This written statement confirming the disputed items are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
I am writing to formally dispute and request the immediate blocking of inaccurate or fraudulent information from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c2 ].

I am a victim of identity theft. After reviewing my credit report dated [ Insert Report Date ], I noticed numerous inaccuracies and inconsistent data across all three credit bureaus. These discrepancies include : Inconsistent names, addresses, and account reporting across bureaus.

Accounts with late payments, charge-offs, or activity I do not recognize or authorize.

Data reported differently by each credit agency for the same account.

Fraud alerts already filed with TransUnion and Experian.

Per FCRA 605B, I am requesting that the following items be blocked from my credit report as they resulted from identity theft and do not belong to me : [ List suspicious account names, numbers ( last 4 digits ), and reporting agency if known e.g., XXXX XXXX XXXX ( Experian ) XXXX XXXX ( varies across agencies ) XXXX XXXXXXXX XXXX ( TransUnion vs. Equifax ) XXXX XXXX XXXXXXXX ( missing from Equifax ) ] Enclosures included for this request : 1. A copy of my valid government-issued photo ID.

2. Proof of current address ( e.g., utility bill or lease ).

3. A copy of the Identity Theft Report filed with [ Police Dept/ FTC ], dated [ Insert Date ].

4. This written statement confirming the disputed items are the result of identity theft.

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 2025-05-01 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-05-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am a loyal customer of Boa 10 years and this time I got a scamer logged in to my XXXX and made XXXX transaction {$2700.00} and {$490.00}. Boa didn't help me to resolve this issue and they said they confirmed with XXXX the transaction was authorized by me, of course someone steal my account. I opened the dispute 3 times but Boa denied. As a student and a single mom, the money is a lot for me. I hope to get the money back to pay for my parents hospital fee pleassseee

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I wrote a letter to AMEX stating I wanted to close the account & cancel my annual membership fee. 
This letter was signed & dated by me and sent via XXXX. Included in the envelope was a check for {$220.00} made to American Express. AMEX cashed the check on/about XX/XX/year>. That means they opened the envelope & would have seen the cancellation notice. Amex did close the account. HOWEVER, they refuse to waive the annual membership fee of {$150.00}, stating that they only waive/cancel when you CALL or CHAT. 
Legally, businesses have to recognize & process requests done through XXXX. When they chased my check, that made my letter ( included with check ) a binding agreement. AMEX refuses to cancel the membership. I am asking them to waive the fee, close the account & move on, as they should be legally held accountable once they opened the envelope/cashed the check. I spoke to 2 people at AMEX recently including a manager.

they won't accept my letter as confirmation to cancel annual fees. 
Please ask them to reconsider. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
They charged me for fees in keeping my interest rate the same. I got that back on ny own. They charged me for a full month of insurance when I wasn't out that long. 
Now they said they have paid my taxes on my home when they didn't and charging me over XXXX dollars for the taxes and they were only XXXX. I am a sick woman of XXXX who had to retire due to my health. I don't need Wells Fargo harassing me about this. They wouldn't have known about my insurance lapse for a couple of weeks if I hadn't called them. I am being honest and they should too. I called them and they kept telling me they opened an escrow account and to start out I would have to pay for the taxes they paid I have this in writing from Wells Fargo. Please help stop this harrassing behavior. I was also told at an earlier time that they could automatically take an escrow account and make me pay whatever it is. My taxes weren't but a few weeks late. I have receipts.

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 2025-05-01 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: NV

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$89.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$8600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$19000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX EMPLOYER - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NV

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$89.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$8600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$19000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX EMPLOYER - 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 2025-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was a victim of the security breech and my personal information was used to create fraudulent accounts in my name with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Entered agreement with XXXX and Wells Fargo XXXX XXXX to purchase XXXX XXXX XXXX. Upon review of the contractual documents and related disclosures I have discovered multiple violations of both federal and state law. Included but not limited to the following : 1. Failure to provide required material disclosures under the Truth in Lending Act ( TILA ), 15 U.S.C. 1602 ( v ) and Regulation Z.

2. Failure to provide a clear, conspicuous, and timely notice of my Right to Rescind. ( TILA ), 15 U.S.C. 1635 and Regulation Z.

3. Failure to furnish required Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802 privacy notices and opt-out instructions.

4. Fraudulent Omission by intentionally withholding material disclosures that would have altered my decision to enter the transaction.

5. Reckless Disregard for consumer protection laws by both XXXX and Wells Fargo, institutions that are sophisticated and obligated to comply with federal disclosure and privacy standards On XX/XX/XXXX I notified Wells Fargo representative " XXXX '' employee # XXXX via phone of these violations and reminded him of my right to rescind even when notice is not given and requested a confirmation of rescission compliance within 20 days. I also sent a written letter referencing the same.

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 2025-05-01 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:
Subject : Second Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 To Whom It May Concern, Subject : Second Dispute of Charge-Off Account Request for Reinvestigation under FCRA 1681i, 1681s-2 ( b ), and 1681e ( b ) Account Name : XXXX XXXX Account Number : XXXX To Whom It May Concern, This letter is a formal second dispute concerning the charge-off account listed above. I previously submitted a dispute requesting its deletion, as the information reported was inaccurate and unverifiable. However, your response failed to provide sufficient evidence to validate the legitimacy of this account.

Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly : 1681i requiring a reasonable reinvestigation within 30 days, 1681s-2 ( b ) requiring the furnisher to properly investigate disputed data, and 1681e ( b ) requiring credit reporting agencies to maintain maximum accuracy, I hereby request a reinvestigation of this charge-off entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ) I am a victim of XXXX XXXX  XXXX  Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC for myself XXXX XXXX last four Social Security number is XXXX, XXXX XX/XX/2000. Please delete the following accounts. 





XXXX  Account Number : XXXX Inquiry 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 2025-05-01 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: NE

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I enrolled in autopay with Loan Depot several years ago and all was going well. I received a statement from Loan Depot dated XX/XX/year>, showing a reduced amount due on my account since this was to be the last payment. Amount showing due was {$1000.00}. ( A copy of the statement is included with this report ). ) I sent a check on XX/XX/year> payable to Loan Depot for {$1000.00} which cleared my bank account on XX/XX/year> I received a letter dated XX/XX/year> stating they had received my payment of {$1000.00}, but the payment was not sufficient to satisfy the full monthly amount contractually due on my loan of {$1500.00}. It said if I did not remit the additional funds in the amount of {$450.00}, the partial payment would be returned. I called at least three times, sent an email to them and also sent a registered letter to them stating that I had paid the amount of their statement which was sufficient to pay off the loan balance. 
There is a 15-day grace period each month before a late fee is added. My payment was received by Loan Depot no later than the 11th day when check cleared my checking account. They added a late fee of {$67.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I discovered XXXX individual collection accounts on my credit report for less than {$200.00}. This has impacted my credit extremely negatively. The company XXXX XXXX XXXX XXXX has not verified the date with me. They have not provided any documentation with my signature proving this debt. I called them and they could not confirm this debt or account with the information I provided to them which is the information they submitted on my credit report. It appears they report inaccurate information if they can not verify anything with the information they reported to the credit bureau. Providing inaccurate information is a violation of the Federal Credit Reporting Act. I will attach the transcript of the call I had with them proving they can not find an account with the information they submitted to my credit report.

Company response to consumer: Closed with explanation