vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened an account with Citi through the XXXX XXXXXXXX XXXX  credit card program. After spending and paying off more than {$7000.00} in the first month my card was locked for 'Unusual Activity ' and I was requested to call Citi . Upon calling, I provided the system the last four of my social, the last four of my credit card number, and the 'Passcode ' for my account which is a unique single word that I used while creating the account. The representative who 'helped ' me asked for my phone number to send a verification code to complete the account review, however my decade old XXXX XXXX number that I receive texts from Citi was not valid and could not be used to verify my identity. The associate then asked if I had an alternative contact number to try and I said no as this was the number on my account. Immediately he stated he sent mail and it would be XXXX days to receive it and my account was locked until then. I asked to speak to a supervisor as I can not suddenly go XXXX days without a credit card, as I'm sure few XXXX 's can. The supervisor was aggressively abrupt and refused to help. I requested that we try another phone number ( my wife 's ) as the other representative and he refused. I asked to speak to a supervisor, and he refused. I asked for the name of the associate who helped me prior, and he refused. I asked to speak to his supervisor, and he refused. I asked to file a complaint, and he refused. I asked to be transferred to the complaint department, or someone else willing to help me file a complaint, and he refused. XXXX is the most unprofessional " XXXX '' I have every had to contact. Citi refuses to utilize their own verification methods, and inexplicably locked my card when there were no distinct or unusual charges on the account since opening.

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX bought out Bank of the west, and in XX/XX/XXXX i was suppose to have a working account but when i went on XXXX website i cant loggin, i call customer service and pay over the phone. Aparrently it is missing XXXX payment ( during the transfer ) the customer service rep didn't tell me at all, so i got a XXXX XXXX late for XXXX XXXX until i caught it. I wasn't able to loggin online to make payment until XX/XX/XXXX. BMO refuse to take the XXXX XXXX XXXX  late off my credit report. This happen to alot of people bc apparently the XXXX of the local branch told me the same thing had happen to all her client, it's not just me. but she is unable to do anything about it bc she's just a branch 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 2025-05-19 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:
Account opened fraudulently as a result of the XXXX breach. I did not authorize or open this account. XXXX XXXX XXXX Account Number : XXXX In XXXX XXXXXXXX  experienced a significant data breach that exposed personal informationsuch as names, Social Security numbers, birth dates, addresses, and driver 's license numbersof approximately 147 million U.S. consumers. The breach occurred through unauthorized access to XXXX XXXX U.S. online dispute portal web application, not its core consumer credit reporting databases.

According to my recent credit report, there is a record of a repossession listed under my name. I believe that the repossession was conducted in violation of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Metro 2 Laws, and the Uniform Commercial Code ( UCC ) laws for car repossession reporting.

Under the laws of the State of Florida Article 9 of the UCC and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to.

Violation of Fair Credit Reporting Act ( FACTA ) & The Fair Credit Billing Act. 

I have previously notified the creditor and filed a dispute with Experian. I have also submitted an identity theft report with the Federal Trade Commission ( FTC ). I request that Experian delete or correct the above-referenced information from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Investigated by XXXX and DELETED Investigated by Transunion and
DELETED

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 2025-05-19 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In early XX/XX/year>, I applied for a mortgage loan with Navy Federal Credit Union. The Loan Estimate ( LE ) they provided failed to include a $ XXXX HOA fee in the Projected Payments section even though this fee was known and documented by their team. This omission misled me about the affordability of the loan and violated TRID regulations under 12 CFR 1026.37 ( c ), which require known assessments like XXXX dues to be disclosed. 

Additionally, Navy Federal never provided me with a Credit Score Disclosure, which is required under FCRA 609 ( g ). At the time I locked my rate and agreed to pay over {$18000.00} in discount points and origination fees, I believed I had qualified for the best pricing tier ( XXXX ). It wasnt until after the loan was locked that they informed me my middle score was XXXX just XXXX points short. Had I known that at the time, I would have made a very different decision either worked to improve my score, requested a re-pull, or chosen not to lock the rate at all. 

Furthermore, Navy Federal received and reviewed my appraisal by XX/XX/year>, but failed to issue a revised Loan Estimate within XXXX business days ( by XX/XX/XXXX ), as required by 12 CFR 1026.19 ( e ) ( 4 ) ( i ). When I raised these concerns, a supervisor told me I was stuck with the terms because I agreed to them, and that they would not re-pull my credit despite my updated XXXX score. 

The revised LE they eventually issued reflected an even higher interest rate XXXX XXXX XXXX XXXX and still did not include the XXXX dues compounding the issue rather than correcting it. I feel I was misled, denied basic disclosures, and shut down when trying to seek a fair correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have found unauthorized and fraudulent accounts listed on my XXXX  credit report, which I did not open or approve. These are a result of identity theft : XXXX XXXX  Balance {$540.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Fraudulent account XXXX Two separate entries Both fraudulent XXXX XXXX Balance {$17000.00} Opened XX/XX/XXXXXXXX  These entries are inaccurate and do not belong to me. I have no relationship with these creditors. I have taken appropriate action by filing a police report and formally disputing the accounts with XXXX  but have not yet seen a resolution.

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Re : Notice of Disputed Charge to Account XXXX. [ XXXX ] Dear Billing Inquiries Division, I am writing to formally dispute an unauthorized charge on my Wells Fargo XXXX XXXX XXXX account. The charge in question is a rent payment processed on XX/XX/year>, which I did not authorize. 
Upon discovering this charge, I immediately contacted Bilt Rewards via email and live chat multiple times, and I have also called Wells Fargo on several occasions. Both parties have escalated my case, yet neither has resolved the issue. Bilt Rewards has stated they are unable to remove the charge, and Wells Fargo has referred me back to Bilt Rewards despite my repeated explanations and provision of evidence. Most recently, I received a letter from Wells Fargo stating you were unable to assist further. I also visited a Wells Fargo branch in person and spoke with a financial officer, but was again told only that my case could be escalated, which has already occurred.

I have attached all relevant documentation, including : Screenshots of my correspondence with Bilt Rewards ( emails and live chat ) My credit card statement highlighting the disputed charge The email response from Bilt Rewards The letter received from Wells Fargo This charge is not valid as I did not authorize it, and I have made every reasonable effort to resolve this directly with both Bilt Rewards and Wells Fargo without success. Under the Fair Credit Billing Act, I am requesting that this unauthorized charge and any related fees be removed from my account immediately. 
If this matter is not resolved promptly, I will be forced to pursue further action, including but not limited to filing a claim in small claims court. 
Please investigate this dispute, correct the error, and provide me with a written statement of the outcome as soon as possible. 
Thank you for your prompt attention to this matter.

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 2025-05-19 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: TN

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 u

nder 15 USC 1681. 15 U.S.C 1681 section 602 A. States I hav
e 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 XXXX 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: 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: NJ

Complaint narrative:
I just checked my credit report and to my frustration, I saw an unauthorized inquiry that I cant explain. This has never happened before, and it left me really concerned. I tried refreshing my browser, hoping it was just a system error, but it stayed the same. Im demanding that the documents Ive sent be thoroughly reviewed right away so I dont have to continue stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MI

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$2200.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$980.00} Open Date XX/XX/XXXX XXXX Balance : {$1500.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$1200.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$540.00} Open Date XXXX XXXX, XXXX, XXXX XXXX XXXX Balance : {$210.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Consumer Adjustment Company Incorporated
State: NC

Complaint narrative:
Im sending you all the documentation so much that I have of what mail I was able to get my hands up like I said its suit bank lid bank now theyre trying to take my funds and settlement funds out of that account. They literally have everything in my house rigged on XXXX XXXX is part of it too every time I try to send you guys something erase everything out of my phone like theyre trying to do right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CO

Complaint narrative:
he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief