vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit
State: CA

Complaint narrative:
Subject : Disputing Inaccurate Late Payment Reporting on Paid Auto Lease VW CREDIT Account # XXXX Complaint : To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and unlawful reporting of a late payment on my auto lease account with VW CREDIT, account number XXXX. This account was opened on XX/XX/XXXX, is now closed and fully paid with a {$0.00} balance, and is being inaccurately reported by XXXX major credit reporting agencies. 

Specifically, a late payment mark for XX/XX/XXXX appears on my credit reports from XXXX ( XXXX ) and XXXX ( TU ). However, XXXX ( XXXX ) does not report any delinquency, clearly suggesting a discrepancy or technical error in the furnishing of information. 

I unequivocally affirm that : I have never made a late payment on this account. 
I possess documented evidence, including billing statements and payment confirmations, verifying timely payments throughout the lease term. 
The account was paid in full and closed in good standing, and should reflect a positive payment history. 
Here are the details of this Auto Lease account of mine with the late payments : VW CREDIT Account # : XXXX XXXX Account Type : Installment Account Type - Detail : Auto Lease Bureau Code : Joint Account Status : Closed/Paid Date Opened : XX/XX/XXXX Balance : {$0.00} Late payment marks on XX/XX/XXXX on XXXX and XXXX only! ( no XXXX! ) Also : This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., particularly : XXXX ( a ) Furnishers of information must not report inaccurate or incomplete information. 

XXXX ( b ) Upon receiving notice of a dispute, furnishers are required to conduct a reasonable investigation and correct any inaccuracies. 

Furthermore, continued reporting of inaccurate derogatory information may constitute willful noncompliance under 1681n, and negligent noncompliance under 1681o, which are subject to damages and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi, I'm reaching out because ( XXXX XXXX  ) you closed my bank account without warning, nor consent do so, keep XXXX  me after its closed, to the point where its almost harassing me, especially since some of the comments you've been making keep insisting I'm the one that closed the bank account even though i did no such thing. You closed the account, yet keep flat out lying saying I'm the one that close the account. There's a lot of issues with this, like how your employees are so willing to commit fraud / flat out lie ( check the cameras for the branch i supposedly closed the account at, or verify the ip address involved, because i XXXX  to XXXX it wasn't me ), or how you only contacted me once or twice for the entire 13 months i had an account, but then suddenly contact me probably over a dozen times after YOU CLOSED MY ACCOUNT, almost as if you are deliberately trying to rub it in my face ( which is obviously illegal ), or how the stuff your team keeps saying anything except the actual truth ( some imply my account is still open by asking if i need help, while others say i closed the account ), or how you are apparently making choices with my information on behalf of me, which shouldn't be overlooked because imagine if the account had like a XXXX dollars in it, or something like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am writing with deep frustration and despair regarding the way my mortgage servicer has handled our hardship application, which has now culminated in an unexpected foreclosure filing. My family and I are in a state of shock and emotional distress. We applied for mortgage assistance in XX/XX/year> because we were already struggling financially, and we did everything we could to comply with their requests. 

Despite sending all the required documents on time and following up repeatedly, we were continually told that paperwork was missing, even though we had already submitted it on multiple occasions. For months, we were left in limbo, with no clear communication or support. Our designated point of contact had little to no contact with us, and since XX/XX/XXXX, every attempt to receive an update has been ignored. 

Our situation became even more unbearable when, after we made a sincere offer to make a partial payment towards our outstanding {$24000.00} balance at the time, we were told that no payments could be accepted until a decision on our application was made. Instead of receiving a clear response, we have now been served with a XXXX XXXX, effectively signaling the start of foreclosure proceedingsall without proper explanation or an opportunity to resolve our financial hardship. 

This experience has not only endangered our home but has also left us feeling completely abandoned by a system that is supposed to help people in distress. Adding to our suffering, my mother, who does not speak XXXX, has been unable to get any assistance due to the lack of translation services provided by the mortgage servicer. This has created a barrier that has further isolated our family during this incredibly vulnerable time. 

I respectfully request that the CFPB urgently investigate this matter. The lack of communication, repeated requests for documents already submitted, and the refusal to allow a partial payment have caused us severe emotional and financial hardship. I fear that if this situation is not addressed immediately, we will lose our home. 

We believe we have been denied a fair loss mitigation process and that the company has failed to follow federal guidelines under RESPA. We are seeking immediate intervention to halt the foreclosure and ensure proper handling of our assistance application. I have copies of all email correspondence and documents submitted, which I am willing to provide as evidence.

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was with Wells Fargo for XXXX  years now. I had numerous hacks in my account. They were supposed to refund me just under a XXXX. I was told they would mail my check after I closed. When I went back a month later they told me that they refunded on line to the cards on line. This never happen. I also noticed my totals were a couple of cents more. I did not have overdraft protection. I opp. Out of it. They still hit me with a XXXX charge 11 times. I thought if you opp out they can't charge me nor can the transaction go Thur. I have tried a number of times to deal with this issue.. I fear they have done this to many people. They are steal from hard working people

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 2025-04-07 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:
Date XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX Identity Theft Dispute Request to Investigate, Block, and Delete Inaccurate Accounts To Whom It May Concern, I am a victim of identity theft and am writing to dispute and request the immediate investigation, blocking, and deletion of the inaccurate and fraudulent information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), particularly Sections 609, 611, 623, and 605B, I am exercising my rights to dispute, block, and have inaccurate information removed from my report that I did not authorize.

This inaccurate reporting has caused significant financial hardship on me and my family and has interfered with important financial goals, including my attempt to refinance my vehicle.

-- - The following accounts were NOT authorized by me and should be investigated, blocked, and permanently deleted from my credit report : XXXX. XXXX ( XXXX XXXX XXXX Account XXXX  : XXXX Status : Closed Late 60 Days Past Due : {$160.00} Balance : {$1700.00} Last Reported : XX/XX/year> This account shows inaccurate late payments, was not authorized by me, and must be removed. 


XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Status : Collection/Charge-off Balance : {$770.00} Last Reported : XX/XX/year> First payment was never made because this account was not initiated by me. 


XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Status : Closed Balance : {$8700.00} Last Reported : XX/XX/year> Though this account is reported as current and closed, it was not authorized and should be removed to avoid further impact. 




XXXX XXXX In accordance with FCRA Section 605B, I demand that you block and delete these accounts within four business days of receiving this dispute and supporting documentation. I am attaching a copy of my government-issued ID, Social Security card , and a utility bill as proof of identity, along with an Identity Theft Report filed with the FTC ( or indicate if you're including a police report or FTC affidavit ).

Please send written confirmation once these accounts are removed. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and may result in legal action. 

Sincerely, XXXX XXXX [ Signature if mailing ] 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 2025-04-07 00:00:00
Product: Debt collection — I do not know
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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a complaint against Apple Card ( issued by Goldman Sachs ) for wrongfully denying a dispute related to multiple fraudulent transactions totaling approximately {$6600.00}. 

The last unauthorized transaction I remember was for {$3900.00}, which was denied on the basis that the card was used physically. This is frustrating because I had already reported my card as stolen and flagged the activity as fraudulent. I was never provided with any evidence for this denial no merchant response, no transaction logs, no IP/device info nothing. 

After that denial, I reviewed my account and noticed that multiple unauthorized transactions had been made throughout XXXX, which I had not caught at the time. I submitted a dispute for those as well, but shortly afterward, my Apple Card account was closed. 

All of these charges were made to merchants I do not recognize. Ive never had issues with my XXXX ID, phone, or physical card prior to this. I believe Goldman Sachs failed to properly investigate my case, and their actions violate my consumer protections under the Fair Credit Billing Act ( FCBA ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-07 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: SC

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$5600.00} XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$5400.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$46000.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-04-07 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: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
When I checked my credit report this morning, I noticed some accounts that dont belong to me. I thought it might be an error, so I refreshed the browser, but the incorrect accounts were still there. Because of this problem, Im asking for a detailed review of the documents Ive provided to ensure this doesnt become a recurring concern.

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 2025-04-07 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: AZ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
AMOUNT : {$540.00} ORIGINAL DATE : XX/XX/year> Charged off Debt the company is reporting on my credit report as OPEN. The debt has been considered canceled debt and the company has filed this debt with the IRS on their taxes as a profit loss and still reporting it as debt owed, even after they have taken a tax break. This is illegal. The company has not provided me with a 1099C so that I can write this off as income. 

They are in violation of 15USC16952gSEC809 ( 8 ) Certified letter has been sent to the Company and to to XXXX Credit 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 2025-04-07 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:
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I requested validation of the accounts and proof of verification from the creditors and the credit bureaus. However, they have failed to respond with verification of the accounts within the 30-day timeframe required by 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 2025-04-07 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Dispute of Collections Account on Credit Report Dear CBP Complaint Department I am writing to file a complaint against XXXX XXXX  XXXX XXXX regarding a collections account that continue to appear on my credit report despite my previous communications with them to resolve this matter. I have already contacted XXXX XXXX  XXXX XXXX many times regarding this account despite my efforts and the resolutions we reach, this account continues to appear on my credit report from XXXX, XXXX, and XXXX XXXX. This inaccurate reporting has negatively affected my credit score and my ability to obtain credit to secure housing, employment opportunities, etc. This situation has caused me significant financial hardship stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
This bank continuously invades the privacy of the people when they record, monitor and analyze recordings over the phone by not only by them but the unknown service providers as well.

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 2025-04-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-04-07 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: TX

Complaint narrative:
I am submitting this complaint due to inaccurate and unverified late payments being reported on my credit file for the account XXXXXXXX XXXX XXXX XXXX. These late payments were never communicated to me nor verified with any supporting documentation. I have never been late on this account. No evidence has been provided to justify these derogatory remarks, and I have already submitted a formal dispute on XXXX XXXX XXXX which is attached to this complaint and clearly dated and time-stamped. Furthermore, your agency has violated several provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681i ( 6 ) : Failure to provide reinvestigation results within the required timeframe. 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy across all consumer reporting. 15 U.S.C. 1681b ( e ) ( 6 ) : Failure to ensure uniform reporting standards across CRAs. I am requesting the immediate removal of the reported late payments for XX/XX/year> and XX/XX/year>, and that the account be updated to reflect Paid as agreed Never late.

Company response to consumer: Closed with non-monetary relief