vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/year> I received a text message from what I had assumed was Wells Fargo bank asking me if I had authorized a transaction of {$600.00}. Reply Y for yes and N for no. I replied N as I did not authorize this transaction. I received a response telling me a Wells Fargo banker would reach out shortly to assist me. On the call I was asked if I knew anyone in Texas, as that was where the transaction was taking place. I replied no. I was also asked if anyone had access to my card in person or digitally, to which I also replied no. I was then transferred to a " specialist '' who stated they were going to help me close my current account to prevent further issues. I was provided with a debit card number to transfer all of my funds to in order to close the account. I was told I would receive an email containing all of the information as well as a physical new card in the mail within 5-7 days. As soon as my funds had been successfully transferred the call was immediately disconnected. When I attempted to call back I could not get through. I then called the Wells Fargo customer service number and provided the information I had. I was then informed that no one from the company had contacted me via text or call to help me out with my situation. Thus resulting in a personal loss of {$5500.00}. I sent information to their phishing department in order for them to look into things further as instructed. I also filed a claim through Wells Fargo, and received a letter in the mail after 10 days claiming no error was made and the claim was closed.

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 2025-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Braviant Holdings, LLC
State: FL

Complaint narrative:
I got notification that XXXX and XXXX put a collection on my credit report without contacting me and providing proof that I open a account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: LA

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 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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: AL

Complaint narrative:
The Discover Card and account belonging to XXXX XXXX, ending in XXXX, has been closed for over XXXX  months. Despite paying the card off completely and closing it, Discover continues to accrue interest fees and late payment charges that are illegal and invalid. Now, they are threatening to " charge the card off '' and permanently file a 7 year credit report complaint, despite the card and account being closed for over a year and being paid off when it was closed. 

They are continuing to add erroneous charges that are putting us at risk of paying actual owed bills and threatening future credit opportunities. 

As the attached files show, the card was paid off XX/XX/year>, but late fees and interest charges continued to accrue, despite no new charges being made, or any balance being visible when the card was paid off. An " interest charge '' was posted on XX/XX/year>, despite the balance being {$0.00}, and that was used to pile up late fees that are illegal.The second attachment shows that {$5200.00} was the remaining balance on the card when it was paid and that the " interest '' is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I reached out to New American Funding. Earlier in the year, I had received an escrow analysis which increased my monthly escrow payment by ~ {$100.00} a month. I then proceeded to pay a late tax bill from the year XXXX that was overdue. I sent the tax bill to New American Funding letting them know that it should be paid out of my escrow account given the fact that it was from prior year and overdue. New American funding paid the tax bill from prior year and then proceeded to increase my monthly escrow account by another {$200.00} a monthly ( resulting in a year-over-year escrow monthly payment increase of {$300.00} ). I reached out to New American fundinXXXX again, informing them that this was a late payment from prior year that was already factored into the escrow analysis from the current year and did not have to be adjusted again. I requested that New American funding reduce my monthly escrow payment by the {$200.00} that they increased it by ; at this particular point in time my escrow payment year month was over {$1000.00} and was near the amount of my principal. In spite of my numerous attempts to get new american funding to reduce the escrow amount, they stated that they would not adjust the amount as the late ( XXXX ) tax bill had already been incorporated into their analysis, in spite of the fact that it would be double counted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: VA

Complaint narrative:
I am formally disputing the accuracy and validity of multiple negative items listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, outdated, or unverifiable. After reviewing my credit reports from all three bureaus TransUnion, Experian, and Equifax Ive found numerous discrepancies that must be immediately investigated.

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 2025-05-20 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: VA

Complaint narrative:
I am formally disputing the accuracy and validity of multiple negative items listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, outdated, or unverifiable. After reviewing my credit reports from all three bureaus TransUnion, Experian, and Equifax Ive found numerous discrepancies that must be immediately investigated.

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 2025-05-20 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 XXXX XXXX have received no notice and have given no consent for the reporting or release of my personal information. This dispute is submitted in accordance with 15 U.S.C. 1641 ( b ) and 15 U.S.C. 1641 ( c ). I did not authorize the release or reporting of my personal information to these companies, and their actions constitute a clear violation of my privacy rights. These entities have no legal grounds to report any information under my name.

Furthermore, my credit report contains unauthorized inquiries that I did not initiate. Under 18 U.S.C. 1028, unauthorized credit inquiries are classified as identity theft. As such, I consider these inquiries a clear case of identity theft and demand their immediate removal from my credit report.

Additionally, I have identified private educational accounts being reported on my credit file without my consent. I do not authorize the disclosure or inclusion of these private accounts in my credit report. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), which governs the collection, maintenance, use, and dissemination of personal information by federal agencies, I have the right to control how my personal information is used and disclosed. The unauthorized reporting of these accounts is a direct violation of my rights under this Act.

Further, 15 U.S.C. 6802, 16 CFR 433.1, and 16 CFR 433.2 establish clear obligations regarding the protection of personal information and prohibit unfair or deceptive practices. The reporting of inaccurate and unauthorized information violates these protections.

Finally, pursuant to 18 U.S.C. 8, I do not owe any debt to these entities.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a 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 seven 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 if 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 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: CCF Intermediate Holdings LLC
State: NM

Complaint narrative:
over the last 2 years, I have made many phones calls to the number XXXX and I was not getting any response or any resolution except told they didn't want the vehicle since it was a total loss. I then began beginning of this year ( XXXX  ) sending letters. The most recent letter dated XXXX was sent via certified mail and as of today 's date XXXX no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MI

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 2025-05-20 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: TX

Complaint narrative:
XXXX XXXX XXXX are reporting to experian as a mortgage even though they are a timeshare. I never had a mortgage with this company. they are falsely reporting a deed in lieu of foreclosure or foreclosure. I do not have a foreclosure or deed in lieu or any obligation to this timeshare.

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 2025-05-20 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: NJ

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX 2024 I went to my bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX and asked if they had an interest free credit card for one year. XXXX said yes. I told her that I do not have any debt but I try to keep a little debt in a credit card account to help with credit rating. 

She said the she had a 12 month interest free account. I said lets do it. She gave me a CASH BACK XXXX credit card. I did not bother to look at the statements that they were mailing to me because I am taking care of two elderly people in two different states and I am busy. 

I charged about {$2000.00} on the card and I paid {$1000.00} of that back in 3 months. 

Several weeks ago I accidently opened a statement for my credit card and I saw they were charging me about 22 % interest on the card balance. I called XXXX and she said that she remembers setting the account up as an interest free for 12 months credit card and she was not sure what was going on. I asked her to look into it and I never heard back from her. 

Today I went into the branch to see if she had any luck and now she is saying that she does not remember telling me that it was an interest free card. She changed her story from admitting she told me it was interest free to, I don't remember saying that. 

They have charged me {$110.00} in interest in three months. I told her the bank was going to have to pay that interest rate off I would file a complaint. 

I don't need credit cards. I only got this card to keep a good credit rating. I want to pay the full balance of the card off and close the account, but I want this interest rate removed first. 

I will give you the card number when you ask for it.

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 2025-05-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State ZIP Code ] [ Date ] To : [ Experian / TransUnion / Equifax ] Subject : Credit Report XXXX XXXX. of Education Account To Whom It May Concern, I am writing to dispute the following information on my credit report : Creditor : Department of Education Account Number : XXXX Reason for Dispute : " I did not authorize this loan and believe this is fraud. '' Please investigate this account and remove or correct it immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Untimely response
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I created a XXXX XXXX XXXX account with Chase Bank and during the course of the Year while I was waiting XXXX XXXX XXXX XXXX XXXX they decided to close my XXXX XXXX XXXX account for whatever reason and then when I went to withdraw the money XXXX XXXX XXXX XXXX XXXX  they tell me that they can not locate the funds in the account because they were closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. Thank you for your assistance. 

Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Original Creditor : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
First, several accounts are reported as derogatory without proper verification or documentation : A XXXX account is listed as XXXX days late with the credit line suspended, yet I was never provided documentation to validate the delinquency. 

XXXX Bank XXXX XXXX accounts are marked as charged-off but show no payment history or investigation results. XXXX was previously disputed without any resolution communicated to me. 

A XXXX XXXX account shows a profit and loss write-off, but again, no payment history or source verification is provided. 

Additionally, multiple hard inquiries were made on my credit file in XXXX and XX/XX/XXXX by companies such as XXXX, XXXX, XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX I did not authorize these inquiries and was never informed about them beforehand, nor did I initiate applications with these companies. 

These entries appear to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 604 ( a ) for unauthorized inquiries ; 609 ( a ) ( 1 ) for lack of disclosure and verification ; 1681e ( b ) for failing to ensure maximum possible accuracy ; 1681i for failure to investigate disputes properly. 

I submitted a detailed dispute letter to TransUnion on XX/XX/XXXX, requesting that they investigate and remove the inaccurate information and update my mailing address. I have not received confirmation or resolution. 

I am requesting the immediate deletion of the disputed accounts and inquiries and an updated copy of my report in compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: WI

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 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 2025-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account XXXX : XXXX * * * * Reason : I don't recognize this account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX * * Reason : I don't recognize this account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX * * Reason : I don't recognize this 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