vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My husband has capital one card. He received a promotional offer that " Refer friends and get some sort of bonus ''. He referred me. I recieved a message from Capital one saying that '' apply for credit card '' on XX/XX/year> I applied, put my work and all info in and I was approved {$1000.00} credit card. 
Capital one send me a message even before shipping of card " there have been some fraudulent activity on your card '', I called customer service right a way and I was told that it's a general message as your card is shipped. Call us back, when it is delivered. 
After a week, card was delivered but my surprise, when my card arrived, it was not activated as they asked me to submit ID Documents. I submitted passport and my work authorization document but I was told that Driver License and XXXX XXXX is the only acceptable document. 
I waited for CA Driver license hard copy, and I tried re submitting it on XX/XX/XXXX. Capital one customer representative told me on phone, that my ID is very clear and not blurry but system is not accepting it. I was told to email my documents again to capital one email, it is still under process. I am a CA state employee and I did fill my credit application accurately but capital one is delaying my application for no reasons. They denied accepting my Work Authorization card, Which is issued by XXXX government. I submitted my insurance documents with current address, but they didn't accept anything and neither reached out to me via phone/email that why my ID documents were not accepted when I emailed them on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX Well Fargo allowed the treasury to withdraw {$6300.00} from my account. XXXX XXXX XXXX  sent me a letter dated XX/XX/XXXX confirming the withdrawal from my account. When I called they said due to poor record keeping they had declared me deceased instead of my brother and the treasury had withdrawn 3 pension payments due to my supposed death. The negligence is astounding. This is not a sound and secure banking system. My brother was my beneficiary and the bank was not able to distinguish between an account holder and a beneficiary. The banks records needs to be audited to ensure the safety of their accounts and record keeping practices. The bank made no effort to contact me with the amble contact information in my account before they declared my deceased. Then the XXXX XXXX XXXX XXXX took the false information from the treasury and declared my deceased cutting off my pension and health insurance benefits with have not been restored. I have contacted my XXXX XXXX XXXX but still no response from XXXX. The bank has offered no financial assistance and will not even return the pension funds withdrawn claiming the treasury is responsible, not them.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

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 2025-05-06 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : DPT ED/XXXX 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 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/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 2025-05-06 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
Upon checking my escrow account in the mobile app for Mr. Cooper on XXXX XXXX, XXXX, I found that in XX/XX/XXXX, a refund was owed to me, due to an overpayment in my escrow. It clearly showed a letter in a pdf format of the check, date and reason for {$2000.00} was issued to me. However, I never received the check, so I called Mr. Cooper 's customer care. I was informed that the check would be reissued and sent back out to be received in 10 business days. 

Upon not receiving the check on XX/XX/XXXX, I reaced out through customer chat and was reassured the check was on the way. 

I then called Mr. Cooper customer care again on XX/XX/XXXX and upon further investigating by the agent, I was told the check never was sent but was " rejected ''. I explained my situation to the care agent and she said she did not know why it was rejected but would have the check reissued once again. I was also informed that the payment could not be expedited even though this check was showing on Mr. Cooper 's web site that it was originally issued in XXXX of XXXX. 

Today is XX/XX/XXXX, and I am moved to reach out to you with my problem. I obviously am getting the run around and unable to make any headway with my situation. 

If I would not have been into my escrow account on the Mr. Cooper website, I would have never known I had money that I paid, due to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following inquiries must be removed immediately 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/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issue This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. I can be reached at the contact information above if further clarification is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I am contacting you regarding an account you claim I owe, Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to dispute this alleged debt and request full validation via 'Certified Mail ' To date, I have not received a proper written debt validation notice, including the following required details : The name and address of the original creditor The amount of the alleged debt Proof that I am legally obligated to pay A copy of the signed agreement, via 'Certified Mail ' Until such documentation is provided, I request that you immediately cease all collection activity and remove this account from all consumer reporting agencies to which you have reported it. Reporting unverifiable debt is a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA.

If you can not provide sufficient evidence validating this debt, I demand that the account be permanently deleted from my credit file and that you send written confirmation of this deletion.

Failure to comply will leave me no choice but to take legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Total Card, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureau Name [ XXXX XXXX XXXX XXXX XXXX ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Credit Report Information Request for Deletion Dear [ XXXX XXXX XXXX XXXX XXXX ], I am writing to formally dispute the following information in my credit file. The item I am disputing is inaccurate and does not reflect my current credit behavior or situation.

Creditor Name : [ Name of Creditor or Collection Agency ] Account Number : [ Account Number ] Reason for Dispute : [ e.g., This account was paid in full, This account does not belong to me, The reported late payment is incorrect, etc. ] This negative entry is impacting my credit unfairly, and I respectfully request an investigation under the Fair Credit Reporting Act ( FCRA ). If you find the information to be inaccurate or unverifiable, please remove or correct it immediately. I am also requesting that this change be reflected in an updated credit report.

Please find enclosed copies of supporting documents to assist with your investigation : [ List of supporting documents, if any e.g., payment confirmation, settlement letter, identity theft report, etc. ] Please complete your investigation within the 30-day timeframe as required by the FCRA and send me a copy of the results.

Thank you for your time and attention to this matter.

Sincerely, [ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: CA

Complaint narrative:
Disputed with company and better business bureau. I have yet to have any validation and or communication in writing from this company and this company appeared out of no where on my credit report. This is fraud and damages were made to my credit report. No one is able to get in touch with this company including BBB.

15 U.S. Code 1692c ( identity theft. They arent the original creditor, this is an attempt to collect a debt all illegal. They havent validated anything.

15 U.S. Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor.

15 U.S. Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-06 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: MO

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Additionally, any information determined to have resulted from a data breach must be deleted or blocked within XXXX ( XXXX ) business days of your receipt of this letter. If verification can not be completed, federal law requires the immediate removal of the item from my credit report. 

I have submitted a sworn affidavit affirming that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Therefore, I formally request that you take prompt action to delete or block the disputed items in order to prevent further escalation. 

If you fail to verify the item in accordance with the FCRA and continue to report it, I will be left with no choice but to pursue legal remedies. These include seeking actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. For your reference, a copy of the applicable statute is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Student loans were paused for a long time, and after those pauses ended, I did not receive any communicationby mail, phone, or other common methods from NELNET letting me know that my loan repayments had begun again. For three months, I was unaware that payments were due. I only discovered this when I had went to purchase a car, and sitting there the salesman let me know that I was not qualifying for any of the loans.

After this had happened, I immediately took action by first making the balance of the student loan account current and then paying the account off in full. Despite this, NELNET is still reporting the loan as delinquent to the credit bureaus, which is severely impacting my credit score.

I had no opportunity to avoid delinquency because I was never informed that repayment had resumed by NELNET, which seems like a failure of basic duties and courtesies that a loan provider could do. Moreover, even after the loan was fully paid, the delinquency continues to be reported, which is misleading and damaging. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief