vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am filing a complaint against Wells Fargo regarding their mishandling of my fraud claim ( Claim # XXXX ). 

On XX/XX/year>, I reported multiple unauthorized transactions totaling over {$1400.00}. I did not authorize these charges and informed Wells Fargo immediately. 

Wells Fargo failed to follow their obligations under Regulation E ( Electronic Fund Transfer Act ) : 1. Failure to acknowledge or investigate My claim never showed In Progress in their system, and Wells Fargo never contacted me for additional information. I called the Wells Fargo Fraud Department multiple times asking for updates, but no one could tell me what was happening with my claim.

2. Failure to provide provisional credit I was not issued temporary credits
within 10 business days, despite reporting the fraud in a timely manner.

3. Improper denial When I called again on XX/XX/year>, I was told my claim was being denied because the XXXX business day was approaching and Wells Fargo did not want to investigate. On XX/XX/year>, I received a notice stating no error occurred, even though no reasonable investigation took place.

4. Financial harm My account is negative due to these fraudulent transactions, and I was charged overdraft fees as a result. 

I am requesting that Wells Fargo be required to : Reopen my claim and conduct a proper investigation ( including contacting the merchant ). 
Refund the full amount of the unauthorized charges. 
Reverse all overdraft fees tied to this 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 monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I am in receipt of your recent letter dated XX/XX/year>. In your response, you stated that you are not obligated to provide the information I requested. For clarity : My prior letter invoked my rights under federal law. Since you are the debt collector, you are bound by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, upon request for validation, you must provide proper verification of the alleged debt, which includes a copy of the original signed contract or other documents showing I am legally obligated to pay. 
Simply stating the account was verified is not sufficient proof of ownership or accuracy. 

Therefore, I again demand that you provide : 1. The name and address of the original creditor.

2. A complete payment history, including the amount of the alleged debt and how it was calculated.

3. Copies of all documents bearing my signature showing I agreed to the debt. 

Until you provide this documentation, you must cease collection efforts and not report or continue reporting this account to the credit bureaus. Any further refusal to comply will be documented as a violation of the FDCPA and FCRA. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Louisiana Attorney Generals Office, as well as consider civil remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
There has been a recent negative change in my Credit Report, as I have the base Membership with XXXX  XXXX Reporting. Upon my researching this unexpected item, an XXXX claims there is an unpaid balance / charge which has been placed in collections. It seems a very old XXXX billing ( from 2029 no less ), which was never 'listed ' on my credit reports prior, is currently plaguing my XXXX XXXX and XXXX. 
I have worked tirelessly to keep all billings paid and current while keeping a watchful eye on all ( XXXX ) of the XXXX Credit Bureaus XXXX XXXX of my Accounts. This is another example of how creditors, credit bureaus, and collections services companies all work in collusion to collect monies that are not and due and continue to ruin hard working Americans credit worthiness, using fraudulent, inflated charges and balances in order to get fees and amounts they do not have any rights too. Please take the steps necessary disallowing this continued behavior. I hereby submit a plea for immediate actions to Stop this particular offense, and have all negative reporting on this invalid charge reversed. In closing - the XXXX XXXX and Credit Bureau directly involved should be held accountable, with appropriate consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IN

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: OPORTUN FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On or around XX/XX/XXXX, while assisting my significant other as a co-signer at XXXX XXXX XXXX XXXX in XXXX, XXXX, a bank representative informed me that there were medical bills and questionable accounts appearing on my credit report. As a XXXX XXXX XXXX XXXXXXXX who has always maintained excellent financial integrity, I was alarmed by this discovery. 

I immediately obtained copies of my credit reports from XXXX XXXX XXXX XXXX XXXXnd found XXXX accounts that I do not recognize and did not authorize : OPORTUNPROG Account XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$48.00} ( Appears on all three bureaus ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX with a balance of {$1800.00} ( Appears on XXXX  ; Original creditor listed as " XXXX XXXX XXXX '' ) Additionally, I found a fraudulent address listed on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived or conducted business at this address. 

I have now filed a police report and will be submitting documentation to support this complaint. These accounts and address are the result of identity theft, and I request that they be removed from my credit file immediately. I have never authorized these accounts and am not responsible for any debts associated with them. 

This situation has caused stress and harm to my creditworthiness during an important financial transaction. I respectfully request a full investigation and removal of these erroneous items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
My mortgage insurance and tax payment as increase over XXXX percent doubling with Carrington taking over my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: HI

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any infor
mation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-30 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: AZ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$560.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: M&T BANK CORPORATION
State: AZ

Complaint narrative:
Hello in XXXX, I signed loan documents that included autopay. XXXX the mortgage company took the first payment via auto pay. The remaining payments were not taken out at all via autopay, because M & T bank started to service the loan. I was unaware this occurred. Once I figured out I was not being scammed by M & T bank I paid the mortgage in full online. M & T bank fined me late fees for their negligence and would not remove the late fees. This year I revisited the late fees because I needed to change bank account numbers for the autopay and the online website for M & T bank would not let me until I had all the late fees removed. This was accomplished by speaking to a supervisor that removed the late fees and the system worked. I was able to get all the late fees removed. I even paid one of the late fees to comprise. In the month of XXXX of XXXX XXXX of the late fees came back, because it was denied. I was never told the late fee would be accepted or denied. I was simply told it was going to be removed. The hit to my credit is not removed and M & T bank is still denying any wrong doing and is sticking to their policy of only providing XXXX late fee credit a year and will not provide any late fee credits in past years. 

I did not ask to do business with such a horrible company. I signed loan papers with a business that I am familiar with and understands what Auto Pay is. I recently had a mortgage company take over another mortgage I have and they were able to seamlessly continue with the AutoPay.

I am asking that my credit be returned to exemplary and that the late notice be removed from my credit and that the late fees get removed from my account.

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 2025-09-30 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: NY

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 four 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 : ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, XXXX as proof from the XXXX 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 2025-09-30 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
XXXX year ago Shell point mortgage stated my insurance wasn't enough. I updated the policy had it faxed to the correct dept at Shell point. Since then it's been on going with forced hazard insurance. I have always maintained PMI. They are charging me, and it has been addressed also through the Missouri attorney general 's office. I have copies of all pieces of paper for conflict resolution and dates that I can upload. In addition to this they have an incorrect homeowner 's address and have been billing me for inspections. Unfortunately the mobile home was moved before Shell point which used to be green tree had to be moved due to corpse of engineer and them sinking where the mobile home is with XXXX lake. So they have been ongoing with sending me inspection fees however that plat of land is underwater. I have sent a copy of a notarized address by the postmaster of XXXX Missouri postmaster and to no avail I can not get them to change it to the correct address which is number XXXX, number XXXX hazard Forest mortgage insurance, which is now a huge problem because I had storm damage in XXXX of XXXX, and turned it into my private insurance which is paid out on it. And now they're trying to take some type of action against me I don't even understand what they're doing. They are trying to issue me a check to fix the house and the house is already been fixed because I sent them a copy of everything. I can get nowhere. They've also started an escrow account and all sorts of stuff I just need help.

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 2025-09-30 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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