vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
On XX/XX/year>, I sent a Debt Validation Letter to Transworld Systems Inc., a licensed North Carolina debt collection agency, requesting full validation of an alleged debt. My request asked for : A copy of the original signed contract or agreement A complete account history showing all charges, fees, interest, and payments A full itemization of the alleged debt Proof of licensing/authorization to collect in North Carolina A statement regarding whether the debt is within the statute of limitations TSI received my letter on XX/XX/year>. On XX/XX/year>, they responded by sending : A XXXX final bill showing a balance of {$320.00} Their XXXX XXXX company number They did not provide the original contract, a full account history, a statute of limitations statement, or confirmation of authority to collect on behalf of the creditor. 

Despite receiving my validation request, TSI reported the account to TransUnion on XX/XX/year>, marking the account as disputed by consumer. The account remains listed as derogatory for {$320.00}. 

I am filing this complaint because TSI failed to provide proper debt validation as required under FDCPA 1692g and North Carolina XXXX XXXX XXXX, and continued collection activity/reporting after my request. I am requesting that TSI provide complete validation, cease collection until proper validation is provided, and correct any inaccurate credit reporting resulting from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have XXXX credit cards with Wells Fargo, first card was opened in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The initial credit limit was {$7500.00}, after a few months it was increased to {$10000.00}. In XXXX I opened a second card ( XXXX XXXX XXXX  ending in XXXX ). I was approved with a credit limit of {$11000.00}. The offer stated this was a new account & not an upgrade of an existing card, they even pulled my credit. I recently discovered Wells Fargo had moved {$9000.00} credit from the first card to the second card. Wells Fargo is currently showing that I have an {$11000.00} limit on the second card & a limit of {$1000.00} on the first card. The resolution I am looking for is to have Wells Fargo correct the credit limits, they should be. {$10000.00} on XXXX XXXX XXXX  & {$11000.00} on 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows 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 XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, multiple hard inquiries were reported on my credit file with Experian and TransUnion that I did not authorize. The inquiries include accounts from Capital XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX. I did not apply for credit with these institutions, nor did I consent to any of these inquiries. These unauthorized pulls are inaccurate, harmful to my credit standing, and violate the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which requires a permissible purpose for an inquiry to appear on a consumers file. 

Section XXXX Fair Resolution Requested I am requesting the immediate removal of all unauthorized hard inquiries from my Experian and TransUnion credit files, in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). Since no permissible purpose exists, these inquiries are invalid and must be deleted.

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 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
To the Consumer Financial Protection Bureau : I am submitting this complaint regarding my mortgage and the foreclosure process currently affecting my home. 

I live in XXXXXXXX XXXX My mortgage is with Planet Home Lending ( PHL ). A foreclosure sale has been scheduled for XX/XX/year>, and I have been seeking relief and guidance.

Timeline of events : XX/XX/year> : I applied for a loan modification. 

XX/XX/year> : PHL approved me for a trial modification. I received paperwork that stated my first payment was due XX/XX/year>, and that the second and third payments were due On or Before XX/XX/year> and XX/XX/year>. The paperwork explicitly said payments could be made early. 

To comply, I mailed XXXX separate checks ( {$800.00} each ) with separate mortgage coupons clearly marked for XXXX, XXXX, and XXXX. All three checks were cashed on XX/XX/year>. 

XX/XX/year> : I called PHL to confirm everything was on track. I was told there were no issues. 

XX/XX/year> : Without prior notice, I was denied for the loan modification. I was never contacted about any issue with my payments before being denied. 

PHLs reasoningthat I was denied for making my trial payments earlyis unreasonable and contradicts the written terms of the trial plan. The instructions said on or before the due dates, and common sense indicates late payments would be grounds for denial, not early ones. 

Communication issues : Each time I contacted PHL, I received conflicting information.

One representative told me I could appeal or reapply. 

Another said there was no appeal process and that reapplying would automatically be denied due to XXXX XXXX XXXX rule. 

A third told me I could not apply by phone, despite the fact that I had originally applied by phone in XXXX. 

No one has provided consistent, accurate guidance, and no one explained this rule about early payments until after I was denied. 

My concerns : Planet Home Lending has failed to : Provide adequate communication and support regarding alternatives to foreclosure. 

Offer consistent, accurate information about my options. 

Properly process my trial plan payments in line with their own written instructions. 

This lack of transparency and support has caused serious harm. I made every effort to comply in good faith, yet I am now XXXX days away from losing my home, forced to pursue bankruptcy as a last resort. 

What I am requesting : That the CFPB review this complaint and require PHL to provide a full and fair response. 

That I be given accurate information about all available relief options, including loan modification, hardship assistance, and bankruptcy-related protections. 

That foreclosure proceedings be paused, if possible, while these options are reviewed. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I have contacted the Sofi case manager I was given to request they send me smaller checks adding up to the amount of XXXX which is what I had in my accounts when closed. I received my check and tried to sign it over to my partner to deposit into their account and theres a {$2500.00} limit for mobile deposit I think tried the issuing bank which is XXXXXXXX XXXX  they refused to cash the check as well because XXXX not a customer and for non customers they have a {$2500.00} check cashing limit. I do not have another bank account. I have tried cash checking companies about XXXX of them XXXX said they couldnt cash it because it was already signed as well as the other XXXX said their company blocked closed account checks because they lost out on a lot of money. This has been an absolute huge inconvenience! As I asked Sofi to expedite my check as I am moving out of the country that didnt happen so I had to re purchase flights! Now I have to wait to receive checks again so I can actually have access to my money meaning I will have to cancel and repurchase my flights again! This has been extremely stressful frustrating and exhausting XXXX highly disappointed in Sofi I will make sure no XXXX ever banks with them again they are horrible and need to be shut down immediately! THIS IS NOT A JOKE THEY ARE PLAYING WITH PEOPLES LIFE AND MONEY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Contact me over time again repeatedly saying they will take me to court or settle the debt

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 2025-09-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To : [ Experian / Equifax / TransUnion ] Subject : FINAL DEMAND Removal of Fraudulent and Re-Aged Accounts Dear [ CRA ], This letter serves as a final demand. You are knowingly reporting fraudulent, re-aged, and contradictory accounts that materially damage my creditworthiness. This is not an error it is a willful violation of federal law and Metro 2 compliance requirements. 

DISPUTED ACCOUNTS 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATIONS FCRA 1681e ( b ) : Failure to maintain maximum accuracy.

FCRA 1681i : Refusal to reinvestigate disputes properly.

FCRA 623 ( a ) ( 5 ) : Illegal re-aging of tradelines.

FCRA 605 ( a ) : Reporting obsolete accounts past the 7-year limit.

FDCPA 807 : Misrepresentation and deceptive collection activity.

Metro 2 : Contradictory reporting across CRAs, non-uniform status reporting.

DEMAND FOR ACTION I am not requesting correction. Correction is unacceptable. I am demanding immediate and permanent DELETION of all accounts listed above. 

You are hereby placed on notice that if these accounts are not deleted within 30 days of receipt of this certified letter, I will : 1. File additional complaints with the CFPB and state Attorney General.

2. Initiate litigation in federal court seeking full remedies under FCRA 616 and 617, including actual damages, statutory damages, punitive damages, and attorneys fees.

3. Pursue claims for defamation of character and willful negligence. 

Consider this your final warning before litigation. If these accounts remain, you will be held liable for knowingly publishing false information in violation of federal law. 

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 2025-09-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To : [ Experian / Equifax / TransUnion ] Subject : FINAL DEMAND Removal of Fraudulent and Re-Aged Accounts Dear [ CRA ], This letter serves as a final demand. You are knowingly reporting fraudulent, re-aged, and contradictory accounts that materially damage my creditworthiness. This is not an error it is a willful violation of federal law and Metro 2 compliance requirements. 

DISPUTED ACCOUNTS 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATIONS FCRA 1681e ( b ) : Failure to maintain maximum accuracy.

FCRA 1681i : Refusal to reinvestigate disputes properly.

FCRA 623 ( a ) ( 5 ) : Illegal re-aging of tradelines.

FCRA 605 ( a ) : Reporting obsolete accounts past the 7-year limit.

FDCPA 807 : Misrepresentation and deceptive collection activity.

Metro 2 : Contradictory reporting across CRAs, non-uniform status reporting.

DEMAND FOR ACTION I am not requesting correction. Correction is unacceptable. I am demanding immediate and permanent DELETION of all accounts listed above. 

You are hereby placed on notice that if these accounts are not deleted within 30 days of receipt of this certified letter, I will : 1. File additional complaints with the CFPB and state Attorney General.

2. Initiate litigation in federal court seeking full remedies under FCRA 616 and 617, including actual damages, statutory damages, punitive damages, and attorneys fees.

3. Pursue claims for defamation of character and willful negligence. 

Consider this your final warning before litigation. If these accounts remain, you will be held liable for knowingly publishing false information in violation of federal law. 

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 explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the bankruptcy appearing on my credit report with Equifax multiple times, requesting validation directly through the courts, not through third-party sources such as XXXX, which confirmed it does not guarantee accuracy. Equifax has been non-responsive and continues to report a XXXX bankruptcy that never occurred. This violates the Fair Credit Reporting Act, including 15 U.S.C. 1681i ( duty to investigate disputes ) and 1681e ( b ) ( requirement of maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : XXXX. Date the account was opened XXXX. Date the account was closed ( if applicable ) XXXX. Date the account was sold or transferred ( if applicable ) XXXX. Date the account was charged-off ( if applicable ) XXXX. Date of first delinquency reported XXXX. Date of last payment received XXXX. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I received a call from the Fraud Department wanting me to review charges. There were charges I wasn't aware of, and I ended up losing {$1400.00}. Thanks to the fraud department calling me AFTER my money was taken. They dispute the charges ; the money was refunded to me, and the letter said I would have full access to funds. I don't. I'm not allowed to touch the money, and no one will give me answers. I've called multiple times a day since XXXX No one will return my emails/calls

Company response to consumer: Closed with explanation