vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Lennar Financial Services, LLC
State: IL

Complaint narrative:
I signed a purchase agreement with Lennar Corporation on XX/XX/year>, for a new construction home in XXXX, Illinois that was not scheduled to be built until XXXX of XXXX. I submitted a total deposit of {$15000.00} based on monthly mortgage payment estimates and a home price that were provided to me by Lennars representatives. These payment figures were communicated informally through text messages, emails and not through proper loan disclosures. 

After I paid the full deposit, Lennar informed me that those numbers were incorrect and that I could no longer receive the previously quoted terms. Their disclosures also changed multiple times, and after I raised concerns, Lennar revoked my access to their loan portal preventing me from reviewing or documenting the various versions of those disclosures.

When I asked for a refund based on these errors, Lennar refused. Instead, they stated that I was in default and would lose the entire deposit unless I agreed to purchase another Lennar home. I do not want to continue doing business with Lennar under these circumstances.

I believe this situation involves misrepresentation, failure to disclose accurate loan terms in writing before requesting funds, and financial coercion. I was pressured to increase my deposit based on figures that turned out to be inaccurate, and now Lennar is using the contract to justify keeping the deposit after altering key terms.

I am requesting a full or partial refund of my {$15000.00} deposit and for the CFPB to investigate whether Lennar and/or its affiliated lender violated federal consumer finance laws including the Truth in Lending Act and protections against unfair, deceptive, or abusive acts or practices ( UDAAP ).

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 2025-06-15 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: PA

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from EXPERIAN associated with XXXX XXXX XXXX, XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, EXPERIAN has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA.

This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary 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 2025-06-15 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: IL

Complaint narrative:
Sent dispute letters in regards to data breach of my information being used and to removed inaccurate information from my reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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 filing this formal complaint against [ XXXX Credit Bureau XXXX for XXXX CRA continued failure to investigate, respond to, or take action on disputes I submitted over XXXX  days ago regarding inaccurate information on my credit report. Despite providing all necessary documentation and clearly identifying the accounts in question, no investigation results or proper verification have been received. 
This violates multiple federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX ( a ) Requires credit reporting agencies to conduct a reasonable investigation and respond within XXXX days of receiving a dispute. FCRA XXXX ( a ) ( XXXX ) : If the information can not be verified, it must be deleted from the consumers XXXX submitted formal disputes More than XXXX days have passed with no resolution, update, or deletion of the disputed items. The credit bureau has not provided any documentation or method of verification used to verify the accounts PLEASE INVESTIGATE AND OR REMOVE THE ACCOUNTS LISTED 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

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 2025-06-15 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: TX

Complaint narrative:
I am filing this formal complaint against [ XXXX Credit Bureau XXXX for XXXX CRA continued failure to investigate, respond to, or take action on disputes I submitted over XXXX  days ago regarding inaccurate information on my credit report. Despite providing all necessary documentation and clearly identifying the accounts in question, no investigation results or proper verification have been received. 
This violates multiple federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX ( a ) Requires credit reporting agencies to conduct a reasonable investigation and respond within XXXX days of receiving a dispute. FCRA XXXX ( a ) ( XXXX ) : If the information can not be verified, it must be deleted from the consumers XXXX submitted formal disputes More than XXXX days have passed with no resolution, update, or deletion of the disputed items. The credit bureau has not provided any documentation or method of verification used to verify the accounts PLEASE INVESTIGATE AND OR REMOVE THE ACCOUNTS LISTED 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year> I went to the XXXX XXXX  store to make a purchase on the XXXX app. When I got my credentials together I chose my debit card to make the purchase with XXXX. I then went to my g-pay wallet to choose the klarna card to make my purchase. Everything was approved and I got my receipt. I never pulled my credit card out and I never clicked on my credit card from g-pay wallet to make the purchase. The next day I checked my credit card transactions because I noticed some of my money was spent, and I noticed a transaction dated on XX/XX/XXXX from XXXX factory that I did not authorized. I have XXXX debit cards on g-pay wallet and I have my credit card on XXXX XXXX I instantly called my bank to verify the unauthorized transaction and they gave me a temporary credit. On XX/XX/year> they kicked the credit back and charged my card again for the same amount, I called in again and at first they told me it was because they didn't see that I was doubled charged, then a XXXX attempt from me calling them they tried to say that my receipt and the receipt from XXXX XXXX  matches. Remind you it is XXXX different card numbers. A XXXX attempt I called them back and they stated my card is linked to a digital card number from the XXXX XXXX which does not make sense because I never chose that card to make my purchase. I called XXXX XXXX and they said they never touched the card. So who did????? I have my receipts to back up what I'm explaining. I will not let Capital One, XXXX, and XXXX XXXX take advantage of me because they will not allow me to do this to them. This stealing and scamming and I want this fixed somehow. If I can get some legal advise that would be great as well. If I left any other details out please ask me any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: VA

Complaint narrative:
Wells Fargo keeps sending me receipts of purchase which is not what i asked of them. I want the evidence that i was denied boarding for a valid reason this evidence does not exist and they keep closing my case despite the fact it is fraud to charge someone for a service then fail to provide said service. I paid for a round trip flight I was denied boarding on the final leg of the flight XXXX to XXXX. I already provided evidence of the time I attempted to board which was prior to the flights boarding close time Wells Fargo representatives seem to think that because I was forced to pay money to board another flight the following day the service was provided however that constitutes a new transaction and a new agreement the existence of that purchase is the evidence that the agreement of the original flight was broken and does not justify being denied boarding in the first place I paid to be on that first flight being denied is a violation of the agreement made that constituted the purchase of a ROUND TRIP FLIGHT. Please provide any evidence that indicates it was justified to deny me boarding and or please provide a written statement explaining what exactly you ( Wells fargo ) requires for me because you keep saying something about documentation but I don't understand and you suggested from the airline but why would airline provide documentation that hurts their own case. I provided reddit testimonials of the same event occurring to others yet you Wells Fargo keeps denying my claim despite the fact i paid for a service and was prevented from using it by the staff of XXXX XXXX which constitutes fraud. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-15 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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00}

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 2025-06-15 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: AR

Complaint narrative:
Please proceed with blocking and removing the unauthorized accounts currently appearing on my credit report. I did not initiate these accounts and have no knowledge of where they came from. Under USC 1681g, I am requesting their removal within the next 15 days. Ive included the necessary documents for your review. Additionally, the information reported about these accounts varies and is inconsistent across the credit 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 non-monetary relief
Consumer complaint received 2025-06-15 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:
Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX  XXXX XXXX ( Acct # * XXXX ) To Whom It May Concern, I am formally disputing the derogatory reporting associated with XXXX XXXX XXXX  XXXX XXXX, account number ending in XXXX, as listed on my Equifax credit report. 

Disputed Items : Late payment marks from XX/XX/XXXX through XX/XX/XXXX Charge-off status as of XXXX Past due balance reported as {$890.00} Date of First Delinquency : XX/XX/XXXX Status : Over 120 Days Past Due Legal Grounds for Dispute : 1. 15 U.S.C. 1666b Timing of Payments This federal statute mandates that creditors must credit payments on the date they are received if made in conformity with the creditors stated requirements. I request that you provide documentation that confirms : When each payment was received Whether any payment was delayed in processing That the payment terms were compliant with the law If this can not be proven, late fees and delinquencies may be unlawful and must be removed.

2. 15 U.S.C. 1637 ( a ) ( 7 ) Disclosure of Billing and Grace Period Terms This law requires that the creditor clearly disclose to the consumer their rights, including : Exact due date terms Grace period policies Consequences of delayed payment Failure to properly disclose such information nullifies the legitimacy of punitive actions like late marks or charge-offs.

3. Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) Under FCRA, any information that can not be accurately verified must be corrected or deleted. You are required to conduct a reasonable reinvestigation of my dispute.

My Demand : Based on the information above, I am requesting the complete removal of all late payment entries and the charge-off status from this account unless XXXX XXXX can provide the following : Payment processing history with timestamps Original signed agreement showing full disclosure of billing/grace period terms Evidence that I was properly notified before the derogatory marks were reported Proof of compliance with 15 U.S.C. 1666b and 15 U.S.C. 1637 ( a ) ( 7 ) If XXXX XXXX can not fully validate this information, you are required to delete or correct this account as per your legal obligations. 

Next Steps : Please respond with the results of your investigation within 30 days, per FCRA requirements. If you fail to comply, I am prepared to escalate this to the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and/or pursue legal action under civil liability clauses in the Fair Credit Billing Act and Fair Credit Reporting Act.

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 2025-06-15 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$3400.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$6500.00} XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3300.00} XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-15 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: SC

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-15 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: GA

Complaint narrative:
I am asking for your assistance in reviewing accounts from companies that are wrongly reporting late payments. After going over my credit report, I noticed incorrect late payment entries on some accounts. These remarks are inaccurate and should not be there. Kindly remove them and update the accounts to reflect a positive status as agreed.

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 2025-06-15 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: SC

Complaint narrative:
I am disputing inaccurate and inconsistent reporting of multiple accounts on my TransUnion credit report in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i. I previously attempted to resolve this through standard dispute processes, but the accounts remain inconsistent and unverifiable. 
XXXX XXXXXXXX XXXX : Closed and last activity dates do not match across all bureaus. 
XXXX XXXX : Not reported on XXXX  but does appear on TransUnion and XXXX. I request removal due to inconsistent and incomplete reporting. 
XXXX XXXXXXXX : Closed and last activity dates differ between bureaus. 
XXXX XXXX : Closed dates do not match across reports. 
XXXX XXXX : Only reports paid/good standing on XXXX. It should reflect the same on TransUnion. 
Department of Education : Payment status differs ; one bureau shows paid as agreed while others do not. 
Possible Finance : Multiple accounts reported ; XXXX  shows paid/satisfactory, but this is not reflected on TransUnion. 
XXXX XXXX XXXX : Not reporting on XXXX at all, and closed dates do not align across bureaus. 

I request full reinvestigation and resolution of these issues in accordance with FCRA requirements.

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