vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I am writing to dispute the following accounts reported on my Equifax credit report. These accounts are inaccurately reported as charged off and should be corrected or removed as they do not reflect accurate information. 

CHARGED OFF XXXX XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

XXXX XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

XXXX XXXX  - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

XXXX  - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

XXXX XXXX XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

XXXX XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

UNAUTHORIZED COLLECTION - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Discrepancy : This account is reported as an unauthorized collection. I request a thorough review and correction of this account. 

XXXX XXXX - Account # XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Discrepancy : This account is inaccurately reported as charged off. I request a thorough review and correction of this account. 

Inquiries XXXX, XX/XX/XXXX Late Payments XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MI

Complaint narrative:
I am writing to formally dispute the following information on my Experian credit report. I believe that these entries are either inaccurate, incomplete, or outdated, and I respectfully request that they be corrected or removed. Please see the details of the disputed accounts below : Charged Off Accounts : XXXX  XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$9300.00} XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$10000.00} Inquiries : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Late Payment ( s ) : XXXX XXXX XXXX ( Account Number : 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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Dispute of Inaccurate Reporting Ally Financial, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above-referenced account, which is being reported with a balance of {$2100.00} and marked past due. 
This account is inaccurate because the obligation was covered by gap insurance. 
Dispute of XXXX Reporting Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  completeness of an account currently being reported on my credit file by XXXX. The account in question lists a balance of {$3400.00} and is identified under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This reporting is incomplete and inaccurate, as it does not list the original creditors, It also some things hit my credit and I have know knowledge of. Lastly I lost my ID and my SS card. I was told to file a police report and just received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

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 2025-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CO

Complaint narrative:
Fair Collections & Outsourcing , Inc. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is attempting to collect a debt from me in XXXX without being licensed as required by the XXXX  Fair Debt Collection Practices Act. 
They have refused to provide validation and refused to provide proof of XXXX  licensing. 
They are reporting the debt to credit bureaus even though they are not legally permitted to collect or report in XXXX. 
This is illegal and violates both the FDCPA and XXXX  state law. 
I request enforcement action and deletion of all reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-20 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: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
On XX/XX/XXXX, American Express withdrew {$820.00} from my XXXX XXXX Bank account without my authorization. 
This debit was coded by the bank as a TEL / telephone-initiated payment, but I never authorized any payment by phone, and AmEx has XXXX recorded call in which I approved this transaction ( required for all TEL entries under XXXX rules and Regulation E ). 

I did not enroll in AutoPay for the full statement balance. AmEx claims I was enrolled on XX/XX/XXXX, but I did not make that change and did not authorize any full-balance debit. I would never approve an {$820.00} withdrawal. On XX/XX/XXXX, I changed my AutoPay settings back to Minimum Due, but the unauthorized debit had already occurred. 

A notice of the supposed upcoming debit was included in the XXXX statement, but statements do not constitute authorization under Regulation E. An institution must obtain and retain explicit prior authorization, not rely on what they claim a consumer should have known. 

XXXX XXXX internal system clearly shows the transaction as PHONE / telephone-initiated, which is false and demonstrates improper coding. 
Under Regulation XXXX, I am entitled to a full refund of this unauthorized debit, but XXXX XXXX and AmEx have both refused to return my funds. 

Immediately after this unauthorized withdrawal, AmEx also sent false past-due notices on XXXX accounts, despite both showing Minimum Due : {$0.00} on the same day. This appears retaliatory and has caused me severe stress and financial hardship. 

I am requesting CFPB investigation and assistance in : Refunding the unauthorized {$820.00} withdrawal to my XXXX XXXX account. 

Correcting all false delinquency reporting and communications. 

Ensuring American Express complies with Regulation E and XXXX authorization rules for all future debits. 

I have attached screenshots showing : Fifth Thirds coding of the debit as telephone-initiated My AutoPay settings Proof my accounts were not past due XXXX follow-up communication I have more documentation available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
Subject : Immediate Correction Required Undisclosed Discount Points Added Before Closing XXXX  Zero-Tolerance Violation I am filing a complaint regarding my mortgage loan with XXXX XXXX XXXX Cross Country Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Personal XXXX Branch XXXX Company XXXX On XX/XX/year>, XXXX business days before closing, we received a Closing Disclosure that included 1.650 % in discount points, totaling {$19000.00}, which were never disclosed, discussed, or agreed to prior to this date. 

On XX/XX/year>, we were quoted a 6.375 % conventional XXXX rate ( see attached screenshot ), and we relied on this representation in good faith. We were told this 6.375 % rate was reflecting of bringing up our credit by paying off debt. No points were mentioned in the process of that. Rather, points were strongly suggested against. On XX/XX/year>, we also received a Loan Summary that contained no mention of discount points, and no indication that the rate or pricing had changed. 

The lender now claims that rates increased between XX/XX/XXXX and XX/XX/XXXX, but no such information or revised disclosure was ever communicated to us at the time. The first and only time we were informed of any added cost was when the Closing XXXX was issued on XX/XX/XXXX, reflecting the unexpected 1.650 % ( {$19000.00} ) in points. 

The lender further states that the rate was locked, but this lock was verbal and conditional, dependent on whether the loan ended up being jumbo or conventional. It was never formally documented. Verbal statements can not override XXXX  requirements. Discount points are zero-tolerance fees under XXXX, and no Revised Loan XXXX was issued at the time of any alleged market change. Adding discount points at the closing stage is retroactive, non-compliant, and violates federal disclosure rules. 

We request that the lender remove the undisclosed points and issue a corrected Closing Disclosure reflecting the originally communicated 6.375 % rate, and that they provide : The full Loan Estimate and Closing Disclosure history with timestamps, and The exact internal dates and rate sheets showing when any claimed market changes affected our specific loan. 

We are prepared to escalate this matter further if it is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
Since I have no connection to these accounts, they must be deleted within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: DC

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed a dispute for XXXX transaction that was supposed to be a temporary hold for a product return on warranty for them to fast replacement. The hold was supposed to be taken off when they received the item which I did I dropped off the item at the ups store. I disputed with wells fargo but they did not approve the dispute. And are going to take the money out of my checking account

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 2025-11-20 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: AL

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, XXXX  and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : BankruptcyXXXX  XXXX BankruptcyXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I feel like the credit reporting agencies have violated my privacy, sharing, selling and losing my personal information in data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I am formally objecting to the referenced accounts, as they do not belong to me and were not authorized. I request their prompt removal and review. Relevant documentation is enclosed.

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 2025-11-20 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: AR

Complaint narrative:
I am disputing the following charged-off accounts reported under my name. These accounts contain inaccuracies that I request be corrected as per the Fair Credit Reporting Act ( FCRA ) : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$800.00} XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$590.00} XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$220.00} XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
My cash app card was turned off without explanation. I believed it's been hacked tried to get help was given the run around. Tried to call and resolve the issue but still no help. Done everything they have asked me to do but in the end they aren't doing anything. I been hung up on and lied to. Confused and don't know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

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 2025-11-20 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: MS

Complaint narrative:
I am writing to dispute inaccurate information on my Experian credit report. Below are the details of the accounts I am disputing : Inquiries XXXX XXXX XXXX, Date : XX/XX/year>. 

XXXXXXXX XXXX, Date : XX/XX/year>. 

XXXX, Date : XX/XX/year>. 

Late Payments XXXX XXXX XXXX, Account Number : 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 2025-11-20 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief