vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XXXX, I requested a box of XXXX XXXX dollar coins from the XXXX XXXX, XXXX XXXX, MD branch of Wells Fargo. I have done this a few times. The previous time ( in XXXXXXXX XXXX  ), there were XXXX dollar coins that were light, pitted, and possibly counterfeit. The Wells Fargo allowed me to deposit these into my account. This time, I picked up the sealed box on XX/XX/XXXX, and {$1000.00} was deducted from my savings account. Wells Fargo told me that the box had been received directly from the Federal Reserve, which would probably be the Federal Reserve Branch of XXXX, VA or its sub-branch in XXXX, MD. I went through the coins over the next week and discovered that I did not have XXXX XXXX dollars. I had XXXX XXXX dollars, a XXXXXXXX XXXX and an XXXX XXXX XXXX. Now I know that the XXXX dollar is very close in size and weight to a U.S. dollar ( though it is magnetic and the U.S. dollar is not ), so I was willing to excuse that, even though its exchange value is only around XXXX XXXX cents, but the XXXX coin has an exchange value of only XXXX cents. The coin is also noticeably smaller and lighter than the U.S. dollar. If XXXX XXXX can separate out foreign coins when someone dumps them in the hopper, certainly the Federal Reserve, or whoever they have contracted with, can separate out lightweight counterfeit or foreign coins. I took the coin back to the branch and asked them to reimburse me. It took them two weeks to run it through channels and I was given a letter saying Wells Fargo acted properly and I was out of luck. The claim references are XXXX and XXXX. I'm not certain why there are two different claim numbers. I have sent an email complaining to the Federal Reserve about their lack of quality control, but it is the Federal Reserve and the banks ' job to weed out bad money, not pass it along to consumers.

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 2025-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
Subject : Disputing Invalid Collection Account Charter Communications ( XXXX  ) I am formally disputing a collection account placed by The CBE Group for a debt that I do not owe to Charter Communications ( XXXX XXXX. 

This collection is invalid. I moved out of XXXX, Florida at the end of XX/XX/XXXX and, before relocating, I settled my final bill with XXXX, requested disconnection of service, and returned all equipment. I was not residing at the service address during the time this debt is claimed to have been incurred. 

I did not receive any contact from The CBE Group before discovering this collection account on my credit report. No bills, calls, or emails were ever sent to me. 

Its important to understand that Charter Communications had just emerged from XXXX XXXXXXXX bankruptcy protection in XXXX, and a data breach affecting their systems was also publicly documented data breach affecting CharterXXXX in early XXXX, which may have caused payments to be lost or misapplied.. This may explain why a final payment was lost or misapplied. 

For these reasons, I request : Immediate deletion of this account from all credit reporting agencies. 

Written confirmation that this collection has been closed and will no longer be pursued. 

I appreciate your help in correcting this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened this card in 2011 with XXXX and it had an annual fee of {$59.00}. The card was converted to Capital One and their annual fee is {$39.00} but they are charging me still the {$59.00}. When in ask for information on this card I'm always given the wrong information and then I have to remind them it wasn't originally capital one. I would love to close this card but it would affect my credit so I need to do something about this annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
New buyer at the foreclosed property where i was living in at the time; was involved in stealing all my personal belongings including my social security card along with all my other confidential information. 

I've reported this incident with FTC XXXX {$10000.00} XXXX {$15000.00} XXXX {$18000.00} XXXX XXXX XXXX {$28000.00} XXXX  XXXX XXXX {$7500.00} AMEX {$33000.00} AMEX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 


Unauthorized Inquiry ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-05-05 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: TN

Complaint narrative:
I have contacted this collection agency several times and filed a dispute with the credit reporting agencies but i continue to get no solution. This is not a debt of mine and i have explained to the collection agency this several times.

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

Complaint narrative:
they are reporting an unknown debt on my credit report from a company i've never done business with called XXXX XXXX XXXX account # 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 2025-05-05 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:
they are reporting an unknown debt on my credit report from a company i've never done business with called XXXX XXXX XXXX account # XXXX

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: GA

Complaint narrative:
I am writing you about the the Fraudulent use of my social security number due to the Equifax XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me.The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or an account I have opened. It is the result of identity theft 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 explanation
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, if disputed items can not be verified, they must be
removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities
accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

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

Company 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 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I submitted a debt validation request on XX/XX/year> after receiving a letter requesting money. Mohela declined to provide it. Multiple attempts to contact them to inform them of their violation of the XXXX were unsuccessful. 
Because of the failure to validate after extensive opportunities and the inability to communicate fairly with the alleged debtor, any alleged debt held by this company is null and void. I expect a letter within 14 days confirming that this has been removed from the company 's system.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I reached out to XXXX because my interest rate is not listed on the account. I Messaged them asking if they could tell where in my account it lists the interest rates. 

They kept asking me to verify my account- however I did not want to verify my account since I was just seeking information. Where can I find my interest rates? 

The interest rates are not listed on our accounts and the only way to access the information is to reach out to customer service. It doesn't state this anywhere on their website, the carecredit paperwork or on their app. I have looked. 

Without verifying my account the customer rep for XXXX went into my account and shared with me my interest rate. This breached my account as I did not verify my account and actually refused to do so. 

I have screenshots of this whole situation. I am not ok with the fact that they breach my account and gave me info without me verifying my 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 explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Guild Holdings Company
State: TX

Complaint narrative:
We purchased our property in XX/XX/XXXX. In XXXX we were hit by XXXX XXXX and experienced property damage and loss of food ( we own a catering business and were without power for a week ). We chose not to file an insurance claim- so that are rates would not go up. Shortly after the hurricane- Guild Mortgage contacted us with an offer to delay payments to help out because of the storm. We accepted the offer and signed the paperwork and returned promptly. We had never been late on a payment. After the forbearance period was over, Guild Mortgage contacted us again and offered options to resume payments. One of the options offered was to defer the payments that were missed during the forbearance period to the end of the loan- which is the option that we accepted. The company representative assured me that this would not affect our credit reports negatively. We signed the paperwork and promptly sent in. About a week or so later, I received a notification that my credit score dropped about XXXX points and that I was reported as 60 days past due on my mortgage. I have never been late on any payments, so this came as a shock. Additionally, I was in the process of getting a HELOC loan on my property to recuperate some of the cash that was spent remodeling the property when we purchased it. Now, I am no longer eligible for a HELOC ( due to credit scores being too low ) and we are facing great financial difficulty - including potential bankruptcy - due to incorrect reporting by Guild Mortgage. Payments have resumed and are on time. I have contacted them several times and have gotten nowhere. My Guild loan officer agrees with me that this should not have been reported the way it was and has also tried contacting his corporate office to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting a charge-off on the XXXX XXXX XXXX account XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$11000.00}. While this charge-off might reflect some truth in terms of its status, the reporting still seems either outdated or inaccurately represented. The current balance, payment history, and other account details may not have been verified against primary records or court documents, leading to a potential misrepresentation. 15 USC 1681e ( b ) mandates that reporting agencies ensure they are providing accurate and comprehensive credit reporting. If any of the information associated with this account is due to a data breach or data corruption, that is an additional issue that needs to be addressed.

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 2025-05-05 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: AL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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

Complaint narrative:
TransUnion is inaccurately reporting XXXX charge-off accounts under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with balances of {$590.00} and {$340.00}, respectively. The reporting of these accounts appears duplicative and misleading. This creates confusion and falsely inflates the negative impact on my credit report. Per 15 USC 1681e ( b ), TransUnion is obligated to maintain maximum possible accuracy in consumer reporting. These duplicate entries violate that statute and may be the result of internal system errors or a broader data breach that compromised the way these records are logged and matched. As a consumer, I should not be penalized for inconsistencies between internal coding errors or duplicate creditor 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 2025-05-05 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:
I never authorized this company to report this account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian is reporting a previous addressXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXdated XX/XX/year> without confirming whether this information is still relevant or whether it has been properly matched to my file. Given the increasing risk of data breaches and misassociation of identities, it is concerning that Experian continues to include outdated address records without clarity on how or why they are still being maintained. This not only increases the chance of identity confusion but may also affect the accuracy of account matching in my report, which constitutes a violation of 15 USC 1681e ( b ).

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never authorized this inquiries I will want this removed from my credit due to this fraudulent attack to my information for personal gain XX/XX/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 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 explanation