vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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:
These entries remain unverified and questionable. 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 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 2025-06-03 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim XXXX XXXX XXXX I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported XXXX XXXX XXXX XXXX XXXX to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NC

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 2025-06-03 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: NC

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 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Re reporting a charge off month after month is an accurate and it recreates a false appearance of a recurring derogatory event a charger off is a one-time event it is inaccurate and completely misleading Code 15 US 1681i

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 2025-06-03 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: DE

Complaint narrative:
Re reporting a charge off month after month is an accurate and it recreates a false appearance of a recurring derogatory event a charger off is a one-time event it is inaccurate and completely misleading Code 15 US 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
Remove the Identity Theft Statement off of my Credit report. 

I did not request nor authorize this statement being put on my report.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint because Wells Fargo has blatantly violated my consumer rights and made the infuriating decision to deny my dispute for fraudulent XXXX XXXX charges without ever calling me, notifying me, or explaining why. 

Timeline of Events : My XXXX was stolen on XX/XX/year>, in XXXX XXXX, FL. 

I immediately reported the theft and provided a police report ( Report # XXXX ). 

Unauthorized XXXX XXXX transactions were made using my stolen phone. 

My physical debit card was never lost and is still in my possession. 

I notified Wells Fargo promptly, fully explained the situation, and cooperated in full. 

Despite all of this, Wells Fargo has : Failed to issue provisional credit within the 10 business days required by Regulation E ( 12 CFR 1005.11 ). 

Mishandled my case a representative added an unrelated ATM transaction and appeared confused about the details I clearly provided. 

Denied my claim today with zero communication no phone call, no email, no mailed explanation. Just silence and then a sudden denial.

This is not just negligent it's disgraceful and a direct violation of the Electronic Fund Transfer Act ( 15 U.S. Code 1693g ). Wells Fargo had every legal obligation to : Issue provisional credit.

Investigate promptly and fairly. 

Provide written notice and explanation if a claim is denied. 

They failed on every front. I am furious, financially harmed, and completely disrespected by this process.

Impact : Wells Fargos actions have left me unable to pay my rent or essential bills on the first of the month. I am in the middle of a financial emergency and they are refusing to return funds that were clearly stolen, while ignoring both federal law and my pleas for help.

Im Done : I will be closing my Wells Fargo account permanently after this. I refuse to trust a bank that : Ignores consumer protection laws. 

Silences fraud victims. 

Mishandles critical investigations. 

Makes decisions in secret with no transparency.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint because Equifax is inaccurately reporting a charged-off XXXX XXXX account ( partial number XXXX ) that has shown no payment activity or valid updates since XX/XX/XXXX. 

More importantly, the reporting is inconsistent across credit bureaus. While XXXX  shows the account as closed in XX/XX/XXXX, Equifax continues to report it as activewithout any supporting activity or validation. This discrepancy undermines the integrity and reliability of the data.

I previously disputed this account, and no verification or documentation has ever been provided. Additionally, the account lacks required Metro 2 fields, such as scheduled payments and actual payment history post-charge-off, which indicates incomplete and misleading reporting.

These deficiencies violate multiple sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Requires all credit data to be accurate and current.

15 U.S.C. 1681i ( a ) : Requires deletion of data that can not be verified after a consumer dispute.

15 U.S.C. 1681s-2 ( b ) : Prohibits furnishers from reporting unverifiable or outdated information. 

Court precedents such as XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX University XXXX XXXX XXXX XXXX ) reinforce that when information can not be verified after a proper dispute, it must be removedwithout exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Relay Financial (US), Corp.
State: NC

Complaint narrative:
I attempted to log onto my Relay Bank account. The two factor authorization system they use did not send me a text. It is possible Relay has an old phone number associated with the account. I followed website instruction and called. They requested a transaction on the account in addition to name, date of birth, social security number, etc. I have no idea of transactions since it is not my main bank account. I asked to speak to someone with insight and phone help refused. Essentially, Relay bank has stolen my money at this point since there is no way I can access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : TransUnion XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate, Unverifiable, or Incomplete Information Under FCRA To Whom It May Concern, This is a formal dispute under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 et seq. ) requesting immediate reinvestigation and deletion of the following unverifiable and/or inaccurate accounts : XXXX XXXX ( Account ending in : XXXX ) Incomplete and outdated reporting. Violates FCRA XXXX ( b ). 
XXXX XXXX XXXX Account ending in : XXXX ) Unverifiable and sold ; violates FDCPA XXXX and FCRA XXXX ( b ). 
XXXX XXXX ( Account ending in : XXXX ) Unresolved previous dispute and inaccurate reporting. Violates FCRA XXXX ( a ) ( XXXX ). 
XXXX XXXX XXXX ( Account ending in : XXXX ) Incoherent history, unverifiable. Violates FCRA XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX ( Account ending in : XXXX ) Third-party debt buyer, no validation. Violates FDCPA 809 and FCRA 1681e.

Pursuant to FCRA 1681i ( a ) ( 5 ) ( A ), if the accounts can not be fully verified with original documentation within 30 days, they must be permanently deleted. Continuing to report unverifiable or inaccurate information may result in civil liability under FCRA 1681n and 1681o.

Please see attached Exhibits A through F which provide detailed documentation, supporting the basis for each dispute, including factual inconsistencies and legal citations pursuant to FCRA and FDCPA requirements. 

Please send written confirmation of deletion to the address listed above. 

Sincerely, 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 2025-06-03 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:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, 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 non-monetary relief
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
I found accounts and inquiries on my account that dont belong to me.

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 2025-06-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX I purchased a cd to save for my sons college education for {$4500.00}. I wanted it for 12 years in future, and they understood this. I assumed it was bein rolled over. Since that time I divorced, moved from XXXX to XXXX My Ex wife continued to recieve statments from M T Bank , I assumed it wasd being rolled over.My son is in college now and I went to the limestone Delaware XXXX to catch it in. They couldn't find it, called the home office and told me it had been escheated to the state of Delaware unclaimed property dept. When i contacted the state of de they told me they had no record of it. I called back my contact XXXX XXXX, after numerous phone calls, and about a week had passed he told me they had no more info on it, i must have cashed it out. They have copies of all the letters sent saying it had matured, and something needed to be done. Yet they have no info whatsoever of what happened to it. He suggested my son who would have been around XXXX at the time might have cashed it himself! I understand they did try to contact me over the years and i should have followed it more closely, however it does not make it there money. They were required by law to send it to the state. I want my money, the ideal that they have no record of what happened to it but kept the letters they sent me is ridiculous. 
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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a Coverage Verifier-Interactive Summary Report from XXXX, but the information in it is incorrect. The report wrongly states that I had a lapse in my auto coverage and was at fault in an incident.

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 2025-06-03 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: TX

Complaint narrative:
I am a recent victim of a data breach, and fraudulent accounts have surfaced on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand that these accounts be blocked and removed 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 TX XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX CHEVROL Date : XX/XX/XXXX CARMAX Date : XX/XX/XXXX GMFNANCIAL 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 non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
You have reported inaccurate and XXXX  accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX and unjust, especially since Ive never opened or XXXX  these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: PA

Complaint narrative:
I submitted an IDR request in XXXX. MOHELA has still not processed it. 

More pressingly, my loan should be in forbearance while they are processing it, but they keep putting it back into repayment. Most recently I was told in XXXX that my loan was going back into repayment on XX/XX/XXXX. I contacted them via email about this on XX/XX/XXXX and received a reply that it would be placed back into forbearance, but it continued to display as going into repayment. 

I emailed MOHELA again on XX/XX/XXXX, after noticing that my loan was still not in forbearance. Again, I received an email telling me that my loan would automatically go into forbearance. 

On XX/XX/XXXX, I contacted them again and was told that I have to apply for forbearance, despite their prior emails saying that it would be automatic. 

So on XX/XX/XXXX, I called Mohlea. I was able to talk to an agent somewhat quickly ( 15 minutes ), but was sent to an advanced agent and put on hold for over three hours. I eventually reached the advanced agent and was told that my account would be put into forbearance. 

On XX/XX/XXXX, my account was still in repayment, and says that I missed the XX/XX/XXXX payment and also has a new payment that I owe for XX/XX/XXXX. 

My account was not put back into forbearance regardless of my requesting it well ahead of time, and the fact that it is supposed to go into forbearance automatically until my IBR is processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Why they deactivated my account, why i cant get money out, why they sold my stock without permission. I have sent several emails asking why and they wont say anything. I have sent emails asking them to even call me or give me any details, they refused to do so. They said if i want my money, I have to sign a form.

I wont sign anything without knowing why they sold my stocks without permission and why they locked my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several accuracies unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-03 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several accuracies unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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