vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MIDFIRST BANK
State: GA

Complaint narrative:
In XXXX of XXXX I filed Chapter XXXX, when I went to go make my monthly mortgage payment they informed me I did not have a payment due. So I waited a week or 2 ( before the end of the month ) and went ahead and paid a mortgage payment thinking I was paying XXXX monthly payment. I received a mortgage statement 2 or 3 months later that appeared I was late so I called the mortgage company and was informed I am not late to disregard the statement and continue to pay as normal. I proceeded month after month to make the payments pretty much around the same time, again thinking I was paying the upcoming month. Qtr XXXX of XXXX I was applying to purchase another residence, during that time it was discovered that all this time I was under the impression that I was paying a month in advance I was in fact paying late. I spoke with the Mortgage company ( Midland Mortgage ) and they did not take any responsibility in their mistake or misrepresentation of the information and therefore would not do anything. Every since my divorce and the modification of the mortgage, I am never late, current mortgage broker can even tell you my payments are made like clockwork. I have never been late up to the point of filing chapter XXXX and one of the things the attorney stated was to NOT be late with making mortgage payments. If I had never been late before why would I start after filing chapter XXXX? Since learning the information I have quickly corrected it and has been going correctly now, but it is still hindering me from moving forward in my life and making the advancements to my life. When I asked them for the phone recording they stated that the recordings do not go back that far, this was in XXXX or XXXX of XXXX. I just want my statement history to reflect no late payments as that is what I was paying based on the information their representative game me. During the chapter XXXX, it looked like a mortgage payment was applied to the bankruptcy and when all of this came to light they stated it was arrears but would not take ownership of the misinformation.

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 2025-11-07 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 submitting a dispute regarding the accuracy of the following charged-off accounts reported on my Equifax credit report. I request that these accounts be verified, and if they can not be validated in accordance with the Fair Credit Reporting Act ( FCRA ), I request their removal. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Inquiries Discover Card Account Number : XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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 am disputing the following accounts on my Experian credit report. Please review and verify the accuracy of these accounts. 

CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} LATE PAYMENTS XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2025-11-07 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: AL

Complaint narrative:
I submitted a claim to Wells Fargo regarding an unauthorized transaction on my debit card. I was given inconsistent information regarding provisional credit one rep said it wasnt possible, another said it was because the charge was still pending. I was also refused a new debit card after reporting unauthorized use. When I escalated to a supervisor, she was dismissive, talked over me, refused to ask clarifying questions, and failed to explain the internal complaint process until pressured. 

Because of their delay and refusal to issue provisional credit, my XXXX utility payment was returned, resulting in financial harm and further disruption. I believe this is a violation of Regulation E and I am requesting immediate review and resolution. I have names, dates, and reference numbers available.

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 2025-11-07 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: LA

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, duplicate employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) to dispute and request verification of any and all information reported on my credit files that can not be fully substantiated. I request written I am disputing the XXXX XXXX account currently being reported by TransUnion as a charged-off account. I have not received any documentation or verification from either TransUnion or the creditor proving that this account belongs to me, that the reported balance of {$250.00} is accurate, or that the charge-off status and date are correctly reported. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611, I have the right to dispute and request validation of any information that is incomplete, inaccurate, or unverifiable. Until this account can be properly validated with full documentation from the furnisher, I am requesting that it be removed from my TransUnion report. 

Furthermore, I request that TransUnion review and delete any outdated or incorrect previous address linked to this or any other account on my report. Inaccurate personal information can lead to reporting errors and misidentification, which I want to prevent. 

Requested Action : Conduct a full investigation into the accuracy and ownership of the XXXX XXXX account. 

Remove or correct the account if it can not be verified in full compliance with FCRA 611. 

Verify and update my personal identifying information, including the removal of any old or incorrect addresses. 

Provide written confirmation of the results of the investigation and any changes made to my file.confirmation from each bureau detailing

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
I redeemed US BANK points for a gift card. I ordered a XXXX-visa gift card issued by US BANK and they charged me {$330.00} in points. They are unable to explain why and said that's just the way it is. they changed the rules because they can and these points are FREE to me. The points are NOT free. you have to pay a merchant to use a credit card now. There is consumer harm in this practice. its predatory! US BANK Needs to be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report NumbeXXXX : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX  - XXXX XXXX  - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than XXXX  days have passed without a response. I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-11-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization.

Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report.

I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions.

Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

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 2025-11-07 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-07 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: FL

Complaint narrative:
I am writing to formally dispute the following items on my credit report. These accounts have been inaccurately reported, and I respectfully request that they be thoroughly investigated and corrected in compliance with the FCRA. 

Charged Off Accounts : XXXX  Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} Inquiries : No specific inquiries listed for EQ. 

Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX Account Number : XXXXXXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX my credit info was breach by XXXX Data Breach and in XXXX I was dealing with XXXX issues in and out of the Hospital and around the XXXX I started to get calls from Well Fargo about late payments, but I was very sick at the time so when got better I check my credit with XXXX XXXX and I saw about 5 or 6 credit cards. So, I got a police report, and an FTC report and Dispute letter sent it to all the credit bureaus. They remove the credit cards but Well Fargo came in about 6 month or so. I did it again and they did the same thing removed it and few months later it came back, I told them my Credit had hack with XXXX Data Breach happen and someone pretend to be me when I was in the hospital trying to survive the XXXX  and use my info to apply for credit cards .I sent police reports to them and FTC report to them, but they keep putting it back on my 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXXXXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

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 2025-11-07 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: MO

Complaint narrative:
I am submitting this dispute for several accounts and inquiries listed on my TransUnion credit report. I request an investigation into these items and respectfully ask for their correction or removal if they can not be verified. 

Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} Inquiries : XXXX  Date : XX/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 2025-11-07 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: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> at XXXX, a fraudulent charge was made on my chime account by a XXXX in XXXX XXXX Michigan for {$780.00}. I immediately open a dispute with chime as this charge was not made by me and feared my card number had been compromised. Days later they denied my claim due to them saying no fraudulent activity had been detected in their part. Clearly this transaction is fraudulent since I live in XXXX XXXX and this transaction was made in michigan. The dispute number is # XXXX. I contacted XXXX XXXX and they also open a fraud investigation and will provide email screenshot saying that.

Company response to consumer: Closed with monetary relief