vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In early XX/XX/2025, I assisted my brother in securing a short-term rental in XXXX XXXX  XXXX XXXX which we found listed on XXXX. The party claiming to represent the rental was using the name " XXXX '' and identified his company as XXXX XXXX XXXX. He sent us a lease agreement and instructions to pay via wire transfer. 

On XX/XX/2025, I wired {$1700.00} USD from my XXXX  account to a Wells Fargo account under the name XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Amount : {$1700.00} Date : XX/XX/2025 After payment, I received a receipt and instructions to check in at a New York address. When we arrived, there was no access to the apartment and no one to meet us as promised. I contacted the party again, and he began sending stalling messages. Eventually, he requested my bank information to issue a refund, which I provided. After that, he stopped responding completely. 

I contacted XXXX XXXX  and submitted a wire recall request. However, XXXX informed me that the recall was denied by Wells Fargo because the recipient refused to authorize the debit. 

I also reported the incident to : XXXX XXXX XXXX XXXX XXXX ( XXXX ) FTC ( XXXX ) New York Attorney Generals Office My request to CFPB is to review the handling of this case by both Chase ( the sending bank ) and Wells Fargo ( the receiving bank ), particularly regarding the wire recall denial and whether further action could or should have been taken under anti-fraud protocols. 

This appears to be a real estate rental scam using a business account to commit fraud.

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me XXXX and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-05-29 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: PA

Complaint narrative:
My account with DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH capital one 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 in to be removed.

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.

DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I have been trying to resolve this with ShellPoint Mortgage for years. I have numerous issues. Primary issue is that ShellPoint is predatory. 

Issues : 1. As part of the Cares act, I was put into Forbearance. My mortgage has gone from a XXXX year mortgage at $ XXXX when I took it out in XXXX of XXXX. To now being a balance of $ XXXX after XXXX years - I have paid $ XXXX in interest and have increased my principal balance by {$3700.00}. My new loan is now set to mature XXXX/XXXX/XXXX  - which makes this a XXXX  year mortgage and is XXXX  % of my original loan amount after paying on it for XXXX years. They kept changing the modification and repeatedly had my sign new documents. By the third and final time I was desperate to complete the forbearance process because they were impacting my credit significantly. It appears as though in the third and final document that they had me sign ( under duress ) they did not give me the deferral option that I was promised and they put me into a modification with unfavorable terms, including a XXXX  year modification where the new loan duration in total is XXXX  years. Additionally, the interest is capitalized and they reamortized- further benefiting ShellPoint and putting me into a position that I was unaware of.

2. PMI. My loan to value is approximately XXXX  % now, and has been well below XXXX  % for years. I have called repeatedly and asked for PMI to be removed because I have been under XXXX  % for nearly XXXX years. 

3. Every time I call I am sent to numerous other departments, no one can ever actually solve a problem. Example : During the second attempt at a forebearance, I was to have been on a XXXX month payment trial schedule. This turned into a twelve month + prolonged schedule with these " trial '' payments and consistent misapplication of payments, all of which were required to be done via mail, via check and with no online option. One time they sent back a check for {$5400.00} ( my payment was approximately {$3000.00} and I had overpaid ). Instead of applying the {$5400.00} to my payment schedule, they sent the check back and said I was not following the payment schedule and reported me to the credit bureaus. There are numerous examples of this happening that I have tried to resolve for the XXXX years. 

I desperately need help solving this. 

They have wrecked my credit, they have put me into a loan that I will never get out of, they have stolen hundreds of thousands of equity and interest from me. 

Thank you for your help. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank closed my checking account back XXXX XXXX2025 is when I received a letter stating my account was being closed and funds would be returned 30-60 days from letter date. I have called several times, I have went to the bank and I get excuses or no information. The department that handles closed accounts has not notated my account or put in a request for my funds to be returned.

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 2025-05-29 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: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MD

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: AZ

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00}

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 2025-05-29 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: AZ

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00}

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I am a customer with Barclays with XXXX credit cards ( Barclaycard XXXX and Barclays XXXX accounts ). Despite being on-time with all payments and making large lump-sum paydowns to improve my credit profile, Barclays automatically lowers my credit limit each time I reduce my balance.

This practice cancels out any positive credit utilization impact, which unfairly penalizes me for responsible behavior. It's a cycle of punishment, were the lowered limit is contributing to the high utilization report. When I contacted their support team to ask for reconsideration or an explanation, I was told this was standard policy and they would not reverse it. In addition, the representative told me they would not be taking feedback. 

I believe this practice is deceptive and intentionally undermines credit-building efforts, especially for customers working toward financial stability. I am requesting the CFPB to investigate this policy and require Barclays to issue a response.

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 2025-05-29 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: GA

Complaint narrative:
I am writing to formally file a complaint in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX U.S. CXXXX XXXXXXXXb ( c ), regarding multiple unauthorized hard inquiries that have been made on my credit report without my consent or permissible purpose. 

Upon reviewing my recent credit report, I identified the following unauthorized inquiries : XXXX XXXX XX/XX/XXXX ( Experian & TransUnion ) XXXX XXXX  XX/XX/XXXX ( TransUnion ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Various dates ( Equifax ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXX, XXXX, XXXX XXXX XXXX  XX/XX/XXXX ( TransUnion ) XXXX XX/XX/XXXX ( TransUnion ) Under the FCRA, inquiries may only be made with the express written authorization of the consumer or if there is a legitimate business need in connection with a credit transaction initiated by the consumer. I have not authorized these companies to access my credit report, nor have I initiated any credit transaction with them. 

These inquiries are negatively impacting my creditworthiness and may affect my ability to obtain future credit. I have attempted to resolve this matter directly with the credit reporting agencies but have not received a satisfactory 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 explanation
Consumer complaint received 2025-05-29 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:
I am writing to formally file a complaint in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX U.S. CXXXX XXXXXXXXb ( c ), regarding multiple unauthorized hard inquiries that have been made on my credit report without my consent or permissible purpose. 

Upon reviewing my recent credit report, I identified the following unauthorized inquiries : XXXX XXXX XX/XX/XXXX ( Experian & TransUnion ) XXXX XXXX  XX/XX/XXXX ( TransUnion ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Various dates ( Equifax ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXX, XXXX, XXXX XXXX XXXX  XX/XX/XXXX ( TransUnion ) XXXX XX/XX/XXXX ( TransUnion ) Under the FCRA, inquiries may only be made with the express written authorization of the consumer or if there is a legitimate business need in connection with a credit transaction initiated by the consumer. I have not authorized these companies to access my credit report, nor have I initiated any credit transaction with them. 

These inquiries are negatively impacting my creditworthiness and may affect my ability to obtain future credit. I have attempted to resolve this matter directly with the credit reporting agencies but have not received a satisfactory resolution.

Company response to consumer: Closed with non-monetary relief