vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TN

Complaint narrative:
First credit services gave me a call in XXXX of XXXX claiming I owed a debt to Crunch Fitness for unpaid dues, I told them I cancled my Crunch fitness membership in person, and even paid a fee to cancel it. After asking for information about the debt from them and getting nothing, I received an email XXXX of XXXX saying that they no longer deal with my debt and it is gone, it is now XX/XX/year> and they put an account on my credit bringing it down XXXX points and hang up when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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 urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

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 2025-10-24 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: FL

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

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 2025-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I lost my job back in XXXX when I contacted the mortgage company they advised me they can only help me if I miss a payment so I missed one payment after the payment was missed they told me the account would go into modification and I would have to make three consecutive payments which I did during that process I found out they were reporting to our credit that we were missing all of our payments after we finish the three trial payments we were sent a final modification paper work. I Advise them my husband was XXXX and it was going to take time to get his paperwork signed and get to me They told me that was fine. I got both of our paperwork notarized They denied it because it was missing our middle name And asked For us for us to do another Notary I had to wait 2 days before they process the new paperwork. Once we've received the new modification we both worked as quickly as possible to get it notarized i got his papers from XXXX and sent them to the company immediately. I told them due to the government shutdown it was a little delayed coming from XXXX. They received it 2 days after and now denying everything and asking us for {$12000.00} or they're going to foreclose on the house. We are also getting the VA involved. I have plenty of documentation to show we've made all of our payments minus the one they asked us to miss Like I also asked them to fix our credit reporting Just Every time we call people are extremely rude and hang up with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against Newrez Llc for the immediate release of insurance funds currently being held by NewRez for the repair and rebuild of my home located at [ XXXX XXXX XXXX XXXX Ma XXXX ]. 

Background and Timeline : XX/XX/XXXX : My home sustained significant fire damage. 

XX/XX/XXXX : My insurance company issued a check in the amount of {$30000.00}, payable to XXXX XXXX & NewRez, for fire mitigation services only. These funds were to be redistributed to XXXX XXXX, who handled the cleanup, dehumidification, air scrubbing, and odor removal required after the fire. 

XX/XX/XXXX : A second check in the amount of {$9700.00}, payable to XXXX XXXX & NewRez, was issued as a deposit for the mitigation services. This check took approximately five weeks to process through NewRez before I could release payment to XXXX XXXX. 

XX/XX/XXXX : Two additional checks were issued in the amounts of {$21000.00} and {$7000.00}, also payable to XXXX XXXX & NewRez, for the rebuild and repair work to restore my home. These funds are specifically designated for construction and repair not mitigation. 

Despite repeated contact from both myself and XXXX XXXX, these repair funds have not been released. We have received conflicting information from the Loss Drafts Department, and at this point, the delay is severely hindering our ability to begin necessary reconstruction. 

Issues Encountered : NewRez is requiring a materials list for the rebuild, which my contractor advises is not a standard requirement with other mortgage companies. 

NewRez has stated that it must approve the materials list, though this process appears inconsistent with standard industry or insurance procedures. 

NewRez has refused to release any of the repair funds, claiming that the mitigation payments should have been used for the rebuild. However, the mitigation and rebuild are two separate parts of the claim, each with distinct scopes of work and corresponding insurance payouts. The mitigation claim, totaling {$30000.00}, was paid over a year ago and is fully closed. 

At this point, NewRez is withholding funds issued by my insurance company to repair their secured asset. This delay has left my family unable to restore our home, and we are now facing exposure to harsh winter conditions in Massachusetts. 

I respectfully request that NewRez release the repair funds immediately or provide written clarification as to the specific documentation or steps required to do so. Please confirm receipt of this message as I would like to launch a form complaint against NEWrez LLC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX Loan Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a personal checking account with Truist Bank at the XXXX XXXX XXXX XXXX, XXXX, FL XXXX branch on XX/XX/year>. The account was opened by a Truist representative. 

I deposited {$100.00} in cash at the time of opening. Shortly after, Truist automatically closed the account. I understand that banks have discretion to close new accounts for internal reasons ; however, the issue is that I have not received the refund check for my {$100.00} deposit. 

My residential lease is under my wifes name, and the apartment management does not accept or hold mail for names not listed on the lease. Therefore, I clearly informed the Truist representative that opened my account and Truist that I can not receive mailed checks at that address and requested a reasonable alternative ( a stop-payment on the check and a refund by ACH transfer or cash pickup at the branch ). 

the same Truist representative that opened my account then stated that Truists policy only allows mailed checks and refused to provide any alternative payout method, despite my clear inability to receive mail there. 
This refusal effectively denies me access to my own funds, even though I have valid identification and am offering a secure electronic destination. the representative 's refusal to provide an alternative payout method conflicts with Regulation E ( 12 CFR 1005.6 and 1005.10 ) under the Electronic Fund Transfer Act ( EFTA ), which requires that consumers be given timely and reasonable access to their deposited funds and prohibits practices that unreasonably restrict that access. 

I am simply requesting that Truist provide my {$100.00} balance through an accessible method. I have already verified my identity at the branch.

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 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was forced to take out a loan for XXXX XXXX  by a fee fraud scam. 

I was given a time limit to come up with XXXX XXXX  to pay a fee of XXXX XXXX  with the promise of my money being returned to me by the fee fraud scam XXXX XXXX. 

I have tried to get Wells Fargo to refund me for this loan and they denied me even when they know I can't pay on it. I sent their online fraud department letter begging for help to refund the loan and they still denied me. 
I believe Wells Fargo did not do proper investigation on why I took out this loan.

I am citing Section 1005.11 of Regulation E. 

I need Wells Fargo to understand that I was forced and deceived to take out this loan. I did not under want to take out a loan. 
The fee fraud scam made me take out a loan. I have files with FBI, SEC, FTC XXXX XXXX XXXX XXXX XXXX  that prove this. 

Even though it is an authorized transaction I was forced and deceived by the fee fraud scam XXXX XXXX to take out the loan.

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 2025-10-24 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: PA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-24 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: IL

Complaint narrative:
This account has been paid in full, yet it still reflects late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
I was trying to refinance my home.And in the process, there was a debt XXXX XXXX XXXX XXXX monthly lease agreement for a company.That 's based out of XXXX wyoming.I do not live in wyoming and have no ties to wyoming.I live in california so apparently somebody's stealing my identity for a lease agreement

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 2025-10-24 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANKRUPTCY - 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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XX/XX/XXXX has frozen my account. Can't access the {$510.00} that I deposited yesterday. Say I cant access for XXXX days. Multiple bills will be returned if I cant access my deposited funds today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CL Holdings LLC
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
This bank allowed fraud on my account leading to me loosing {$14000.00} in my funds still haven't received anything from the bank regarding any other information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-24 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: MI

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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