vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), you are legally required to verify the accuracy and authenticity of any disputed information within 30 days of receiving this correspondence. If the disputed information is connected to a data breach, the FCRA further mandates that such information be deleted or blocked within 4 business days. Should you be unable to verify the item, you are obligated by law to remove it from my credit report.

I have submitted a notarized affidavit attesting that my credit file includes fraudulent accounts and unauthorized inquiries. Based on this sworn statement, I am requesting immediate corrective action to remove or block the disputed information in order to mitigate further harm and to maintain compliance with federal regulations.

If you fail to verify the disputed data and continue reporting it in breach of the FCRA, I will be compelled to pursue legal action to recover actual damages and seek declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. For your review, I have enclosed a copy of this statute. It grants me the right to bring legal proceedings in any competent federal or state court, including small claims court. 

I anticipate a prompt and lawful resolution of this issue in line with your legal responsibilities.

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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have XXXX credit card accounts with Bank of America. First, you accumulate points. I never accumulated those points, no matter how much I paid. I used them. I got sick, and they charged me extra interest.

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 2025-05-02 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: WA

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

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 2025-05-02 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: Experian Information Solutions Inc.
State: TX

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 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 2025-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Caught at XXXX XXXX  on XX/XX/year> When I called and see why they called me at that time, they said it was a automatic system which its been like that for a few days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
Consumer Name : ( XXXX  Name Goes Here ) Consumer Social Security Number : ( Private SSN ) Consumer Date of Birth : ( Private DOB ) Subject : Immediate Demand for Blocking of Fraudulent Information Under FCRA 605B Identity Theft and Fraud Notification To Equifax and All Responsible Personnel : This is a formal and urgent legal demand filed as part of a Consumer Financial Protection Bureau ( CFPB ) complaint. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove all information resulting from identity theft from my consumer credit report within 4 business days of your receipt of this complaint. You are now on notice, and your failure to comply will constitute a direct violation of federal law. 

The following entries currently appearing on my Equifax credit report are fraudulent, unauthorized, and criminal in nature : XXXX. XXXX XXXX XXXX opened on XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX opened on XX/XX/XXXX These items have also triggered multiple fraudulent hard inquiries, which I have listed in the attached documentation, along with a copy of my current credit report showing the above-listed fraudulent data. 

Let me be absolutely clear : I did not open, authorize, initiate, or consent to any of these accounts, collections, or hard inquiries. They are the result of criminal identity theft, and you are now in possession of formal legal documentation proving such. 

Attached is my FTC Identity Theft Report Criminal Complaint # [ XXXX ], issued by the U.S. Federal Trade Commission, verifying that all of the above-referenced accounts and entries are the result of identity theft and fraudulent use of my personal information. 

This is a direct invocation of your legal obligation under the FCRA 605B. You are hereby ordered to : Permanently block each of the above-referenced fraudulent items from appearing in any version of my Equifax credit file Cease all reporting of these items to third parties, immediately Confirm in writing within 4 business days that each item has been removed, blocked, and will not be reinserted under any circumstances Provide an updated credit report reflecting these actions in full If you fail to comply with this formal demand, I will pursue all available legal and regulatory remedies, including but not limited to : Filing additional complaints with the CFPB, FTC, and my State Attorney General Initiating a civil lawsuit for damages related to Experians negligence, willful noncompliance, and continued publication of knowingly false information Seeking punitive damages under the full scope of the Fair Credit Reporting Act This is your final opportunity to resolve this matter lawfully and voluntarily. Any delay, obstruction, or negligence will be documented and escalated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: 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 under XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : 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 2025-05-02 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: 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 under XXXX XXXX XXXX. XXXX XXXX. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX XXXX. XXXX ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) states : 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 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Escalation Regarding Ally Bank Credit Card Closure CFPB Complaint No. XXXX To Whom It May Concern, I am writing to formally escalate my original complaint ( CFPB No. XXXX ) regarding Ally Banks sudden and unexplained closure of my Ally XXXX XXXX Back credit card ending in XXXX. 

Ally Bank closed my credit card account on XX/XX/year>, without providing any advance notice or opportunity to address any concerns they may have had. I did not receive a proper adverse action notice as required under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( d ) and Regulation B ( 12 CFR 1002.9 ). Allys response to the CFPB confirms the closure but offers only a vague reference to a prior letter, which I never received. To date, they have failed to provide a copy of that letter or a specific reason for their action.

Furthermore, Allys reporting of the account as closed by credit grantor has resulted in substantial harm to my creditworthiness, despite the fact that I was not delinquent, over limit, or in breach of the cardholder agreement. This raises serious concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and complete information to consumer reporting agencies. Reporting a closed account in this manner, without context or cause, is misleading to other creditors and unfairly penalizes me.

Additionally, I believe Allys actions may violate the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions of the Dodd-Frank Act ( 12 U.S.C. 5531 and 5536 ). Closing an account abruptly without notice, providing no specific explanation, and then reporting it in a way that damages my credit, constitutes unfair and potentially abusive conductparticularly given that I had no chance to resolve or prevent the closure. 

I respectfully request that the CFPB : Investigate whether Ally Bank violated federal law by failing to provide an adverse action notice. 
Require Ally Bank to provide a complete and detailed justification for the account closure. 
Review the accuracy and fairness of Allys reporting to credit bureaus.

Evaluate whether Allys actions constitute a UDAAP violation under Dodd-Frank.

This closure has had material negative effects on my credit profile and access to financial services. I appreciate your time and attention to this matter and ask that it be reviewed promptly and thoroughly.

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 2025-05-02 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 formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-05-02 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: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
in XX/XX/XXXX i found that my account had 4 unauthorized charges for the amounts of XXXX XXXX XXXX XXXX XXXX I called the bank immediately when the transactions were pending and file a claim but the transactions were clear XX/XX/XXXX. The bank denied my claim because according to them when trough XXXX to purchase XXXX, bitcoin. I do have XXXX  but my business card never been linked to my XXXX The bank said they back up their decision I called XXXX again several times and i provided the bank with a email from XXXX were they said the card used for the transactions was NEVER used in XXXX, they do NOT have a record of the transactions. 

I have been Wells Fargo customer for almost 28 years and my business card i use mostly for gas, the 4 transactions were done in a day to purchase something I do not usually get and I did not receive any text alerts. XXXX do not see any transactions, the limit exceeds my daily limit and the bank did not see any suspicious? at this point I truly believe someone inside the bank is involved.

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 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am unable to access my Equifax account in order to temporarily lift my credit freeze so I can apply for a credit card. I have successfully lifted my freeze with XXXX  and XXXX, but Equifaxs system has blocked me from logging in or verifying my identity. The password reset function does not work, and I have received error messages repeatedly when trying to update my account or verify my identity.

I also attempted to call Equifaxs customer service numbers multiple times ( including XXXX and XXXX ) but have been unable to reach a live representative or resolve the issue through the automated system. 

As a result, I am being prevented from applying for credit and exercising my consumer rights. I am requesting immediate support from Equifax to regain access to my account and lift my credit freeze. 

Please investigate and ensure I am able to manage my credit freeze as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
In our industry of XXXX XXXX there is a new scam that has come about called double brokering where a person steals a companies MC number and identity from the XXXX and pretends to be that entity to scam the broker ( in this case me ) out of payment that was meant to go to the driver. The actual driver with the company will eventually reach out stating he hasn't been paid when our company has already released payment for the transport of the load to the fake driver. 

I understand I can not get the money back and that is fine, I just want you aware that the party operating under this Zelle ID is double brokering and scamming people out of money. The Zelle ID is XXXX is shows that it is registered to XXXX XXXX XXXX, XXXX, XXXX, TN this person is not XXXX  XXXX  which they claimed to be and took payment for a load transported through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: AL

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 2025-05-02 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: EQUIFAX, INC.
State: WA

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

Company response to consumer: Closed with explanation