vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica
State: LA

Complaint narrative:
I tried several times to pay my bills online using my Direct Express card that my social security retirement payments go to but all the transactions declined. I called customer service several times, talked to several agents and still the problem was not solved. I was told that XXXX put a restriction on my card account but I am the only one that uses the card. I have bills due and this is a dire situation because those are the only funds I have coming in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX, has failed to investigate problems from the previous year in reference to several cfpb complaints, by sending abusive literature to my home, the company has failed to violate regulation e, z as well as the truth in lending act and fair credit reporting act by reporting inaccurate fico scores.

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 2025-05-02 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: NY

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally required to verify the accuracy and validity of any disputed information within 30 days of receiving this notice. If the disputed information is the result of a data breach, the FCRA further requires that it be removed or blocked within 4 business days. If verification is not possible, you are obligated by law to delete the information from my credit file. 

I have submitted a sworn affidavit confirming that my credit report contains fraudulent accounts and unauthorized inquiries. In light of this, I urge you to take immediate action to remove or block the disputed items in order to prevent further harm and to ensure full compliance with federal law. 

If you fail to verify the disputed information and continue to report it in violation of the FCRA, I will be forced to pursue legal action for actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. For your reference, I have enclosed a copy of this statute. It authorizes me to bring legal action in an appropriate state or federal court, including small claims court. 

I expect this matter to be resolved promptly and in accordance with your legal responsibilities.

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 2025-05-02 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:
XXXX XXXX [ Email address XXXX [ Phone Number XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX Subject : Request for Debt Validation under FDCPA To Whom It May Concern : I am writing in response to a notice I received from your office regarding an alleged debt. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and it serves as my formal request for validation of the alleged debt.

Please provide the following information so I may properly evaluate your claim : 1. The total amount of the alleged debt, including an itemized breakdown of fees, interest, and other charges.

2. The name of the original creditor and the original account number.

3. Documentation showing that I agreed to the debt and that the debt is valid and legally enforceable 4. A copy of the original signed agreement or contract ( if applicable ) 5. Proof that XXXX XXXX XXXX XXXX XXXX is authorized to collect this debt, including chain of title from the original creditor 6. Verification that the alleged debt is within the statute of limitations for collection in my state.Please also confirm in writing that no negative information has been or will be reported to any credit reporting agency until this debt is validated as required by federal law. This is not a refusal to pay, but a request that your office provide proper documentation. I request that all future communication from your office be made in writing only.Please consider this letter a formal dispute of the alleged debt until validation is received. 
Sincerely, 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 2025-05-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Request for Execution of Quit Claim Deed Related to Mortgage on [ Property Address ] NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern at, WELLS FARGO HOME MORTGAGE, XXXX and agent known as XXXX XXXX I hope this message finds you well. I am writing to formally request your cooperation in executing a Quit Claim Deed for the property located at : XXXX XXXXXXXX XXXX XXXX, Florida ( XXXX ) This request is in connection with a mortgage transaction currently in process. As part of the loan requirement WELLS FARGO HOME MORTGAGE and agents have failed to honor and comply with RESPA policy, T.I.L.A. policy, The Federal Reserve Act, " to remove a name from the title the lender has requested that a Quit Claim Deed be completed to ensure the property title is properly aligned with the mortgage application. 

Please be assured that this action does not affect any existing financial responsibilities tied to the mortgage unless otherwise agreed upon in writing. I am prepared to handle the preparation of the deed and cover any related notarization and recording fees to ensure the process is smooth and efficient ( This is a direct communication in an attempt to resolve this matter in an out-of-court settlement ). 

I would greatly appreciate it if you could make arrangements to sign the deed at your earliest convenience. If you have any questions, need clarification, or would like to review the draft beforehand, I am happy to provide any information necessary. 

Thank you for your prompt attention and assistance in this matter. 

Sincerely, XXXX the living man, legal representative, agent on behalf of principals, 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 2025-05-02 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: MN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have encountered difficulties accessing my [ Equifax ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-05-02 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: Self Financial Inc.
State: FL

Complaint narrative:
I am filing this complaint to escalate a serious issue regarding Self Financial , Inc., who is reporting a fraudulent account on my credit report that does not belong to me.

I have disputed this account multiple times and clearly stated it is not mine. Despite my lawful dispute, Self Financial has continued reporting this information without providing any valid proof, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

I requested validation under FCRA 611 and FDCPA 809, and instead of investigating properly, they responded by placing the burden of proof on me, which is unlawful. They failed to : Properly validate the account Provide a signed agreement or proof of obligation Remove unverifiable information This has negatively impacted my credit and financial well-being. Ive informed them that they are in violation of multiple consumer laws, and I have now issued a Notice of Intent to Sue.

I am requesting the CFPB to step in and : 1. Order Self Financial to delete this account immediately 2. Enforce penalties for continued non-compliance 3. Protect my consumer rights under federal law Thank you for your help in protecting consumers like me from abuse and illegal reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX CBE Group XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX IA XXXX Account Numbers : XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding this validity of this debt. 
Thank you for your prompt attention to this matter. 
With Regards I am, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next XXXX days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau

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 2025-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I attempted to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting XXXX XXXX XXXX ( XXXX  ) to stop contacting me about an alleged debt related to a vehicle loan. 

Before the account was sold to XXXX, I contacted Exeter Finance several times via email several times in XXXX. I informed them I could no longer afford the vehicle and clearly stated that they could pick it up with the address the vehicle is at and still at with the phone number of the home owner of where the car is at who has been waiting for over a year for them to pick it. I provided the vehicles location multiple times and asked that they repossess it. They failed to act on this and instead sold the account to XXXX. 

After XXXX  began contacting me, I emailed them numerous times in XXXX asking them to please pick the vehicle up to resolve that situation also informing them I told exceter finance the same thing. On XX/XX/XXXX, requesting that they cease all contact regarding the debt. They replied and instructed me to submit the request via their live chat feature. 

On XX/XX/XXXX, I used XXXX  live chat and submitted another cease contact request. I explained that I did not want further communication except as legally allowed. The representative, XXXX XXXX, refused to confirm the request and redirected me to call a phone number. 

On XX/XX/XXXX, I initiated another chat and restated my FDCPA-based request. The representative, XXXX XXXX, again refused to honor it and repeated that I needed to call. I stated that I was saving the transcript for recordkeeping. Despite having received two clear written requests, XXXX  has failed to acknowledge or comply. 

XXXX  is intentionally avoiding FDCPA compliance by requiring phone calls instead of honoring written ( including live chat and email ) cease contact requests. This behavior creates unnecessary stress and limits my ability to maintain a paper trail. I have saved screenshots of all chats and emails.

I am requesting that XXXX  be required to honor my cease contact request and that their repeated refusal be investigated as a potential FDCPA violation. I also request that Exeter Finances refusal to repossess the vehicle after my repeated offers be reviewed as part of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I have made several requests for my loan servicer ( MOHELA ) to switch me off of the SAVE plan and onto the IBR ( Income Based Repayment Plan ), which the company has failed to do. I am XXXX payments away from PSLF loan forgiveness and want to resume making my monthly payments immediately. MOHELA has failed to take any action to resolve my concerns and handle my requests in a timely manner. They are continuing to tell me that they are experiencing delays in processing my paperwork, even after I was told multiple times that my issues have been escalated. Today, I spoke with a Supervisor on a recorded line who advised me that this processing would be escalated and take place in XXXX business days. 

In addition, I have experienced nothing but poor customer service, innacurate loan account details, false statements, and excessive wait times to speak with a representative about my loans at MOHELA. Dealing with this servicer has been a nightmare, and I will be filing multiple complaints and pursuing legal action if my concerns are not handled immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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