vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Your Name ] [ XXXX XXXX XXXX Number ] [ Email Address ] XXXX XXXX XXXX CT Date : [ Insert Date ] XX/XX/year> Bank of America Fraud Department [ Bank of America Address use the fraud dispute address listed on your statement or on their website ] Subject : Fraudulent {$60000.00} Home Equity Line of Credit Dear Sir or Madam, I am writing to formally dispute a fraudulent home equity line of credit in the amount of {$60000.00} that was taken out against my property without my knowledge, consent, or authorization. 
At the time this account was opened, I was medically XXXX and unable to apply for, authorize, or benefit from such a transaction. I have never signed any documents, received any funds, or participated in this loan in any way. This account was opened fraudulently and I am a victim of identity theft I respectfully request that Bank of America : 1 Provide copies of all application documents, signatures, and approval records connected with this account.

2 Remove my liability for this fraudulent line of credit.

3 Correct any negative credit reporting associated with this matter.

4 Confirm in writing that an investigation has been opened and provide instructions for next steps. 
Enclosed are copies of my supporting documents, including proof of my XXXX status, a police report/identity theft report ( if available ), and identification. Please consider this my formal dispute and request for investigation under the Fair Credit Reporting Act and all applicable consumer protection laws. 
This situation has caused me significant distress, and I am urgently requesting your cooperation in resolving this matter and protecting my property. 
Thank you for your prompt attention. I look forward to your written response within the timeframe required by law. 
Sincerely, [ Your Signature ] [ Your Printed Name ] Enclosures : Copies of ID, XXXX proof, police/FTC report XXXX other supporting documents

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 2025-08-27 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: KS

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025 EXP 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 any 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 antedates the report by more than XXXX 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 of 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Due to storm damage, XXXX insurance, provided a repair check in the amount of {$5100.00} to me. Check was issued by XXXX, on XXXX, XXXX, XXXX. Check was issued and sent, to XXXX and XXXX XXXX, at XXXX XXXX XXXX, Thompsons XXXX, TN XXXX required Shellpoint Mortgage endorsement. 

Once check was received by XXXX and XXXX XXXX, check, along with all required information ( printed copy of BOTH insurance adjuster report, and repair estimate from XXXX Point Roofing ), was sent to " Shellpoint Mortgage Insurance Claims '' in XXXX, XXXX, via XXXX XXXX Mail on XX/XX/year>. XXXX phone, Shellpoint confirmed receipt of check, at their XXXX, Michigan mailing address on XX/XX/year>. 

After reaching out on multiple occasions, calling their out of country contact center, Shellpoint representatives, confirmed receipt of check, but stated I needed to send another copy of repair estimate. That copy was again sent electronically on Monday, XX/XX/XXXX. 

No response was provided by Shellpoint Mortgage, and I again reached out electronically on XX/XX/year>. Again, with no response.

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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, we were victims of fraud. We were asked by somebody impersonating our mortgage bank lender to wire our down payment. We went to our bank, M & T and wired the money. On XX/XX/XXXX we went to M & T to file our dispute. We also contacted the bank we wired the money to in California, 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 monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I took out this loan at XXXX XXXX, but they're charging me XXXX XXXX. 
Last month, XXXX  day period, my interest was {$130.00}, it should have been {$120.00}. This has been going on for well over a year but the company will not respond to my requests.

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 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the bankruptcy currently reported in my credit file. This is not accurate, not mine, and must be deleted.

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 2025-08-27 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/year> I received a collection notice in mail from Transworld Systems Inc for XXXX. I call them and spoke to a woman who I notified that this account was not mine. The lady explained that the account was opened in Delaware for XXXX internet services. She advise me to file a police report for identity theft and then transferred me over to XXXX. At this time Transworld Systems inc was notified that this account was fraudulent. They then sell the fraudulent account to XXXX Collection services, increased the amount, and changed the account number. This is illegal selling accounts you know are fraudulent. This is affecting my credit score by being added back on when I already went through the process to notify company of the fraudulent account. They sold this account because they knew they couldnt collect on it from me because its not mine so that they can get some money somehow. This needs to be addressed and is in violation of my consumer reporting rights. I am within rights to sue this collection agency for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-08-27 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: MD

Complaint narrative:
To Whom It May Concern : I am filing this complaint against Equifax Information Services, LLC for willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Summary of Complaint : On XX/XX/year>, I sent a formal dispute letter ( attached ) to Equifax via certified mail, disputing the accuracy of the following accounts : Creditor/Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : no info * XXXX XXXX XXXXXXXX * Account Number : no info In that letter, I provided notice that the information was inaccurate, misleading, and in violation of the FCRA. I specifically referenced the following sections : FCRA 602 ( A ) [ 15 U.S.C. 1681 ( a ) ] - Duty to ensure maximum possible accuracy.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] - Reasonable procedures for accuracy.

FCRA 611 [ 15 U.S.C. 1681i ] - Right to reinvestigation of disputed information.

FCRA 8616-617 [ 15 U.S.C. 1681n, 16810 ] - Liability for willful or negligent noncompliance. 

Despite proper notice, the bureau failed to conduct a lawful, good-faith reinvestigation. Instead, I either received a form letter claiming the accounts was " verified '' without meaningful investigation or no response at all within the statutory timeframe. 

Harm Caused : Because of their negligence, I have : Been denied credit card approvals. 
Been denied auto financing. 
Received offers only at unreasonably high interest rates. 

This has caused ongoing financial harm and distress. 

Requested Relief : I am requesting that your office : 1. Investigate Equifax for willful violations of the FCRA.

2. Require the permanent deletions of the inaccurate accounts from my credit file.

3. Compel the agencies to provide me with an updated, corrected credit report.

4. Hold the agencies accountable for damages caused by their noncompliance.

I have attached copies of : My original dispute letter. 
Proof of certified mail delivery. 
The response ( or lack thereof ) from the credit bureau. 

Thank you for your time and prompt attention. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XX/XX/year>, XXXX XXXX XXXX from Portfolio Recovery Association LLC is implementing a scare tactic and legal threats on an account I never signed legal documents with this company. I have no knowledge or experience with XXXX or Portfolio Recovery Association LLC, I continue to receive letters, and spam calls regarding Portfolio Recovery Association LLC. They have violated my rights based on - 15 U.S. Code 1692c - Communication in connection with debt collection states, this title, without the prior consent of the consumer given directly to thedebt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate. Also the inaccuracy reporting by XXXX  and XXXX  affects these challenges. Also due to data breach and Code 15 USC 1681 these items should be removed. Including XXXX XXXX XXXX being sued for putting wrong information on credit reports and refusing to change them once disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
USC Sec 15, 1681, 1682, 1683, 1684, 1028g, 1666b these late payments needs to be removed according to FCRA and FTC laws.

We are asking that ally financial late payment for XX/XX/XXXX be removed being that on Experian its showing a late payment of XXXX ( XXXX ) which is totally inaccurate and therefore needs to be removed under the FCRA and FTC XXXX law. 

XXXX XXXX Date Opened XX/XX/XXXX Balance {$15000.00} XX/XX/XXXX We are also requesting this late payment of XX/XX/XXXX be removed as well from XXXX XXXX XXXX. It's inaccurate and under 1666b this late payments needs to be removed. 

XXXX XXXX Date Opened XX/XX/XXXX Balance {$1900.00} XX/XX/XXXX late payment * * inquiries * * XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have cashapp under my XXXX XXXX. I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Cashapp closed my account 10 days ago cause according to them " gambling '' I, in no shape or form are gambling. I sell a XXXX XXXX XXXX  that says " gameday '' and a client purchased and put that on notes and immediately my account was closed. I've appealed this decision 2 times with these people and no one has the ability to talk to me in chat I've sent pictures of XXXX XXXX XXXX that paid and put notes gameday and still these people don't care. its all about bots and them sending me their templates of messages of which I've gotten from them 100 times probably. They refuse to listen and really look that its a legitimate purchase and not " gambling '' like they claim. I received a respond saying they will stick to their decision. My question is Why? "? if all the pictures and explanation was sent to them. I don't recommend this app to no one. They have no way of fixing your problem. I'm a business and am loosing money everyday because of these people that don't listen that my XXXX XXXX XXXX  that says " gameday '' is what i was XXXX. No shape or form gambling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a checking account with JP Morgan Chase Bank for long time. I am a XXXX XXXX XXXX with fix income from SSA ( Social Security Administration ).

I had an issue with my account at SSA and my monthly check did not get deposited in my checking account. I was charged for monthly maintenance fee for nonsufficient fund for {$12.00}. Unfortunately this happened twice this year. The bank ( Chase ) did give me a courtesy credit 1 time. But when it happened again 2nd time bank declined to issue me the credit even though, it was not my fault at all. 

I explained to the bank agents and the supervisor that I am XXXX XXXX XXXX with fix income and can not afford to pay for exorbitant fees. 

But they declined my repeated request for refund. 

The date fee was charged : XX/XX/year> in amount of {$12.00}. 

All I am requesting is refund of {$12.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-27 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: DISCOVER BANK
State: VA

Complaint narrative:
I have had my Discover credit card since XX/XX/XXXX, slowly building my credit. And as of XX/XX/XXXX, the score was at XXXX. When I received my statement for XX/XX/XXXX, however, I noticed my score had dropped all the way down to XXXX, yet I had paid all my credit card payments on time. I immediately did some research and went on XXXX XXXX, and discovered fraudulent unpaid charges were the culprit. I saw that there were XXXX unpaid loans made from XXXX, a company I had never even heard of till that day. Apparently, these loans were being made over a year prior to me even receiving my credit card, so how can they be charging a card that hadnt existed yet? I received my credit card on XX/XX/XXXX, and the first of these loans was opened on XX/XX/XXXX. I also never made any loans with the company, or any student loans at all, all of my tuition was paid without taking out loans. The other day I received a notice that I owe {$1200.00} of loan payments that I did not make from XXXX, and as a result, my XXXX XXXX account has been declared as delinquent. I also did some research on XXXX itself, and discovered it is apparently notorious for being bad at loans and payments, as almost every single review left on XXXX is XXXX star and filled with many complaints. I filed a dispute twice with XXXX XXXX, but both times I was told the information was accurate and no actions were taken. XXXX in the process of trying to move, but unfortunately, without a good and accurate XXXX XXXX, I find myself in a bind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a fraudulent account that has been inaccurately attributed to my credit file. I have no connection to this account, never authorized it, and never engaged in any related activity. Its reporting is false and is negatively affecting my credit score and financial reputation.

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 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
This company, FAY SERVICING , LLC has been in dispute with me for several months now. 
They are adding on exhorbinant late fees despite me trying to lower my payments. 
I believe that they are using predatory tactics. 
Firsty they add on an escrow to a mortgage that i pay my own taxes and insurance. 
This raises the monthly amount. 
I have trouble paying it. 
I dispute this. 
Then they add on over XXXX dollars in late fees in less than 2 months. 
My payment never goes back down. 
They doubled my monthly payment playing this game.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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