vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX social XXXX To : ExperianXXXX XXXXXXXX XXXX, TX XXXX EquifaxXXXX XXXXXXXX XXXX, GA XXXX TransUnionXXXX XXXXXXXX XXXX, PA XXXX Subject : Formal Dispute of Fraudulent Accounts/Inquiries Due to Data Breach Demand for Immediate Deletion To Whom It May Concern, I am writing to dispute inaccurate and fraudulent information on my credit report as provided by your bureau. These accounts and/or inquiries are the direct result of identity theft linked to the Equifax and XXXX data breaches, which compromised my personal information without my consent. 
As a victim of this breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681c-2 ( Section 605B ), which requires the credit bureaus to block and remove all information that I identify as resulting from identity theft. 
The following items are fraudulent and must be deleted immediately : XXXX XXXXXXXX XXXX XXXX {$1000.00} opened XXXX, XXXX XXXX {$2000.00} opened XXXX, XXXX XXXX {$3400.00} opened XXXX, XXXX XXXX {$2000.00} opened XXXX. 
You are hereby notified that : XXXX. FCRA 605B requires you to block these accounts from my credit file within XXXX business days of receiving this letter, as they are the result of identity theft. 
XXXX. FCRA 611 ( 15 U.S.C. 1681i ) requires a full reinvestigation of these disputed items. Failure to conduct a proper investigation will be considered willful noncompliance. 
XXXX. FCRA 623 ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting information they knowor should knowto be inaccurate. 
XXXX. Re-reporting ( reinsertion ) of any fraudulent or deleted item without proper certification is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 
Because my information was compromised in the Equifax/XXXX breach, I demand the immediate and permanent deletion of all fraudulent accounts, inquiries, and negative information associated with this identity theft. 
If you fail to comply, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will consider pursuing civil remedies under FCRA 616 and 617, which provide for damages, attorneys fees, and costs. 
I expect a written confirmation within the legally required time frame that these fraudulent items have been deleted from my credit file. 
Enclosed are copies of supporting documentation, including [ attach : FTC Identity Theft Report, police report if available, proof of identity, breach notice, etc. ]. 
Sincerely, 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the accuracy and completeness of the following accounts being reported on my credit file. These accounts contain contradictory, obsolete, and materially misleading information, which has directly caused me to suffer an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 On XX/XX/year>, I received a formal Adverse Action Notice from XXXXXX/XX/XXXX citing a High level of Charge-offs as the reason for denial of my housing application. This denial was based in part on credit report information from your bureau, showing the serious harm caused by these inaccurate accounts : XX/XX/XXXXXX/XX/XXXXStatus : Collection/Charge-off, despite reporting as Paid / Dispute Resolved. 

XXXXXX/XX/XXXX Status : Collection/Charge-off, contradictory reporting across bureaus ( TransUnion/Experian = Paid, Equifax = Derogatory ). 

XX/XX/XXXX Status : Collection/Charge-off, showing {$0.00} balance yet reported as a loss/charge-off after being paid. 

XX/XX/XXXXStatus : Collection/Charge-off, showing {$0.00} balance yet coded as loss after payment/dispute resolution. 

XXXXXX/XX/XXXXStatus : Collection/Charge-off, despite being Settled for less than full balance with {$0.00} balance. 

Inconsistent reporting across bureaus ( TransUnion = Settled ; Equifax = Charge-off/Settlement ; Experian = missing ).

Metro 2 Compliance Issues : Paid/settled accounts must not continue to be coded as Collection/Charge-off. Reporting must be uniform and accurate across all CRAs.

FCRA 1681e ( b ) : Bureaus must ensure maximum possible accuracy. Contradictory Paid/Settled vs. Charge-off reporting is misleading.

FCRA 1681i : I am requesting reinvestigation. These accounts can not be verified as accurate due to internal contradictions. 

Demonstrable Harm : I have already been denied housing due to these inaccuracies, which constitutes actual harm. 


I demand the immediate deletion of the above XXXX accounts from my credit file across all three bureaus. Reporting them as Paid/Settled while simultaneously coding them as Charge-off is materially misleading and has directly harmed me. 

If you can not delete these accounts, please provide the detailed method of verification used, including full documentation from the furnishers, as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
I am disputing the accuracy and completeness of the following accounts being reported on my credit file. These accounts contain contradictory, obsolete, and materially misleading information, which has directly caused me to suffer an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 On XX/XX/year>, I received a formal Adverse Action Notice from XXXXXX/XX/XXXX citing a High level of Charge-offs as the reason for denial of my housing application. This denial was based in part on credit report information from your bureau, showing the serious harm caused by these inaccurate accounts : XX/XX/XXXXXX/XX/XXXXStatus : Collection/Charge-off, despite reporting as Paid / Dispute Resolved. 

XXXXXX/XX/XXXX Status : Collection/Charge-off, contradictory reporting across bureaus ( TransUnion/Experian = Paid, Equifax = Derogatory ). 

XX/XX/XXXX Status : Collection/Charge-off, showing {$0.00} balance yet reported as a loss/charge-off after being paid. 

XX/XX/XXXXStatus : Collection/Charge-off, showing {$0.00} balance yet coded as loss after payment/dispute resolution. 

XXXXXX/XX/XXXXStatus : Collection/Charge-off, despite being Settled for less than full balance with {$0.00} balance. 

Inconsistent reporting across bureaus ( TransUnion = Settled ; Equifax = Charge-off/Settlement ; Experian = missing ).

Metro 2 Compliance Issues : Paid/settled accounts must not continue to be coded as Collection/Charge-off. Reporting must be uniform and accurate across all CRAs.

FCRA 1681e ( b ) : Bureaus must ensure maximum possible accuracy. Contradictory Paid/Settled vs. Charge-off reporting is misleading.

FCRA 1681i : I am requesting reinvestigation. These accounts can not be verified as accurate due to internal contradictions. 

Demonstrable Harm : I have already been denied housing due to these inaccuracies, which constitutes actual harm. 


I demand the immediate deletion of the above XXXX accounts from my credit file across all three bureaus. Reporting them as Paid/Settled while simultaneously coding them as Charge-off is materially misleading and has directly harmed me. 

If you can not delete these accounts, please provide the detailed method of verification used, including full documentation from the furnishers, as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Thank you for your prompt attention.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/year>, I made a successful payment of {$220.00} to my Capital One Quicksilver XXXX XXXX, account number ending in XXXX. On XX/XX/year>, which was my due date, I attempted to make XXXX additional paymentsone for {$240.00} and another for $ XXXX reduce my credit utilization. 
These extra payments were returned, and as a result, Capital One closed my account. The funds for these payments came directly from my debit account, which had sufficient funds to cover both transactions. 
I received a letter this morning, XX/XX/year>, notifying me that my account was closed. My account was in good standing, and I was not late on any payments. The returned payments were made with the intention of being a responsible cardholder and maintaining a healthy credit score. 
I am concerned that this closure will be reported as a negative mark on my credit report. I have already sent a formal letter to Capital One on XX/XX/year>, to dispute this closure and request that my account be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Concerning the transaction On XX/XX/XXXX, I initiated a wire transfer in the amount of $ [ XXXX ] USD from my bank, [ XXXX XXXX XXXX ], to a beneficiary account at Wells Fargo Bank. The transaction details and account involved are above Originator Account Number : XXXX Receiving Beneficiary Account Number : XXXX Sender XXXX  ( Routing # ) : XXXX Receiver XXXX  ( Routing # ) : XXXX The funds have not been credited to the intended recipient and have not been returned to my account. I attempted to resolve this issue directly : I contacted Wells Fargo by email and regarding the transaction error but received no response. I contacted my own bank, [ XXXX XXXX XXXX ], and requested that they initiate a trace/recall with Wells Fargo they sent several emails to them as well. They have not received any confirmation or resolution from Wells Fargo not even a response. To date, Wells Fargo has not provided us with any information, case number, or explanation about this wire transfer. This money was sent to this account I was told its the account in representing and paying for tax on a prize winning to the IRS which am sure this is a scam, As the sender, I need confirmation of where the funds are, why they have not been credited, and when they will be returned if not applied. I am requesting that Wells Fargo urgently investigate this wire transfer, confirm the status of the funds, provide an investigation reference, and coordinate with my bank to ensure that the funds are either properly credited to the intended beneficiary or returned to me. I dont know the recipient and a way of contacting them to return my money please i dont want to be scammed

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 2025-09-17 00:00:00
Product: Mortgage — Conventional home 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: Fay Servicing, LLC
State: MA

Complaint narrative:
Fay Servicing and its attorneys repeatedly sent foreclosure and auction notices addressed to my wife, even though she is not on the deed, mortgage, or loan. The property is solely owned by me. These communications misrepresent her liability, violate FDCPA 1692, and cause severe emotional distress. 

On XX/XX/2025, I sent Fay a certified XXXX XXXX demand letter requiring them to stop and compensate for damages. Fay has not responded within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Again as I have mentioned over and over can someone lesson to all my phone calls with shell point employees since XXXX  after I filled for XXXX?????? 
After filling for XXXX  overnight shell point added almost {$4000.00} to my account which was up to date until that day. 
I called shell point and asked shell points employees what's going on and the answer was It's just attorneys fees because of your XXXX  case, you can pay it at any time. 
Last year shell point pushed the monthly mortgage from {$500.00} a month to over {$670.00} a month. I called shell point and their employees respond was that because of your XXXX  case you can pay any amount any time.

Now shell point is trying to put foreclosure on this house, you can ask my attorney. 
Every time I called shell point I was told a different story.

For example I spoke to shell point employee XXXX XXXX XXXX around XXXX I told her every time I call shell point to make a payment my call goes to shell point employee name XXXX XXXX XXXX you do something so I can just talk to shell points call XXXX, XXXX XXXX no we can't do that, when I asked XXXX to transfer my call to the call center XXXX  XXXX no call center wouldn't talk to you so XXXX  took my payment. 
Now I called shell point XXXX and XXXX my calls go straight to the shell points call center. 
Another words XXXX  was laying. 
Every time I call shell point their employees give different answers this is shell points attempted to steal this property.

shell point keeps telling me that you can pay any amount any time, when I do so shell point is trying to steal my house by claiming not enough money in this account?????? 
I have been paying {$100.00} a week.

shell point is trying to steal this property by lying.

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 2025-09-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
After several years of service XXXX XXXX water delivery stopped service to my residence. The last delivery was on XX/XX/year>, when XXXX XXXX gallon bottles were left. XXXX charged our XXXX ( Citi ) visa {$85.00}, which included a deposit of {$36.00} for the XXXX bottles of water delivered. On XX/XX/XXXX and XX/XX/XXXX, a messages were sent to XXXX to pick up the empty bottles and refund the {$36.00} deposit. XXXX failed to do so. On XX/XX/XXXX, a letter was sent to XXXX reiterating the request. XXXX did not respond. On XX/XX/year>, a dispute was entered with Citi on its website and a conditional credit of {$36.00} was given by Citi. All details and a copy of the letter to XXXX were provided to Citi. Citi assigned case # Id XXXX. However, on XX/XX/year>, Citi sent notice " The review of your dispute has been completed, '' stating it had determined I am responsible for the disputed amount - erroneously stated as {$85.00}. No factual basis for the denial was given. Therefore, on XX/XX/year>, I sent a letter to Citi pointing out its errors and requested reconsideration. The request has been ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
I do am not owner of a XXXX  account. I also dont have XXXXXXXX XXXX XXXX service, i only have XXXX and i am currently with them for over XXXX and XXXX  years i can provide XXXX bills from XXXX. I am not aware where this debt came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
Mohela is illegally refusing to process my loan discharge and refund under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX discharge order, which covers XXXX borrowers and {$4.00} XXXX in automatic relief. 

While other servicers ( XXXX, XXXX, XXXX, etc. ) have already implemented these discharges and issued refunds, Mohela continues to deflect responsibility, stating it is waiting on XXXX, and has failed to provide any relief. I have also not received any discharge notice from XXXX despite the Department stating that this process would be automatic and require no borrower action. 

This constitutes : Failure to comply with federal law and XXXX directives Unfair and deceptive practices under federal consumer protection standards Unequal treatment of borrowers based solely on servicer assignment I request that CFPB investigate Mohela, require them to immediately process my loan discharge and refund, and hold them accountable for deceptive and unlawful conduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 writing to formally dispute an alleged late payment reported on my account. This payment was reported by XXXX XXXX [ XXXX ] to your agency, [ Experian/TransUnion/Equitax ] XXXX and I believe that this entry is inaccurate. The payment in question is identified as " late. '' but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 
Legal Basis for Dispute : Under 15 U.S. Code & 1681a121, the term " consumer report '' does not include reports ) solety contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself regarding this account should not be included in my consumer credit Request for Action : If USAA can not provide the necessary proof of mailing or delivery of the required Information, I request that this late payment be deleted from my credit report. Failure to do so wil be considered a violation of 15 U.S. Code 1681s-2, which prohibits the i resPectfuliy reQuest that you take the action to remove this inaccurate late payment entry from my CREDIT report min XXXX calender days of recieve this notice of Late Payment ( XXXX ) in Question : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> Thank you for your prompt attention to this matter. I look forward to your response and COOPERATION that the disputed late payment entry has been removed.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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