vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to XXXX Bank dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX has failed to respond, verify, or correct the information within the required XXXX ( XXXX ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since XXXX XXXX XXXX did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure XXXX Banks immediate compliance with FCRA requirements.XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I completed the trial payments for the months specified and received the final paperwork to sign at a notary. 
However, they had added my deceased husband to the paperwork, requiring his signature. He was XXXX XXXX in XXXX. I purchased the home over a year later in XXXX with the death benefit. They wouldn't believe me and made me send the death certificate multiple times, which i did. I have still not received corrected paperwork to sign and they won't change the due date of XX/XX/XXXX, which is in 4 days.

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 2025-10-21 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:
PLEASE BLOCK AND REMOVE. 
This account has caused me great emotional distress and difficulty sleeping. I have submitted all relevant proof and request its prompt deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
looks like money has sent unauthorized through International transfer every month of different amount as of XXXX begging in this year XXXX more than XXXX a month no consent given even different reciepients added to my zielle I didn't authorized to add nor send funds too

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/2025 To Whom It May Concern : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint and Demand for Reinvestigation Under FCRA Regarding XXXX XXXX Account ( XXXX XXXXXXXX ) I am writing to file a formal complaint against Equifax, Experian, and TransUnion for your failure to conduct a reasonable reinvestigation into an ongoing, documented dispute regarding my XXXX XXXX XXXX XXXX XXXX account ending in XXXX ), in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

You have allowed XXXX XXXX to furnish demonstrably false, inaccurate, and damaging information to my credit files. Despite my providing new, material evidence in the form of official bank statements, your agencies have failed in your statutory duty to go beyond merely " parroting '' the incorrect information provided by the furnisher. Equifax 's recent dismissal of my dispute as " frivolous '' ( Dispute ID XXXX ) is a clear example of this failure, as it wrongfully claims no new relevant information was provided. 

The new evidenceofficial XXXX  XXXX XXXX statements from my checking account ( ending in XXXX ) proves that XXXX XXXX has repeatedly failed to process successful payments. Your agencies have ignored this evidence and allowed XXXX XXXX to report a false history of non-payment and incorrectly inflated balances. 

Summary of Inaccurate Information and Supporting Evidence : Erroneous Reversal of Successful XXXX Payment : XXXX XXXX  XXXX XXXX statement shows a successful, non-returned payment of {$5900.00} was sent to XXXX XXXX on XX/XX/2025. XXXX XXXX XXXX XXXXXXXX statement confirms they incorrectly reversed this payment on XX/XX/XXXX and charged me {$190.00} in interest as a result. 

Ignored Successful XXXX Payments : XXXX XXXX  XXXX XXXX statement shows XXXX successful, non-returned payments were sent to XXXX XXXX in XX/XX/2025 : {$5700.00} on XX/XX/XXXX and {$6100.00} on XX/XX/XXXX. Your credit reports fail to reflect that these payments were made, thus carrying forward a grossly inflated and inaccurate balance. 

Under the FCRA, your obligation is to the accuracy of the report, not to the data furnisher. Accepting a " verification '' from a furnisher whose records are being directly challenged by concrete evidence does not meet the standard of a reasonable reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Paid Date : XX/XX/year> Amount : {$850.00} Account : XXXX I am writing in response to a complaint I filed regarding a debt collection agency that is willfully violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n, which addresses civil liability for willful noncompliance. 
The debt in question has been paid in full, and I have documentation to support this. Despite this, the debt collector continues to report the account as unpaid or delinquent to XXXX or more consumer reporting agencies. I have made multiple attempts to contact the agency and request that they update or remove the inaccurate information, but they have failed to take corrective action. 
The continued reporting of a paid debt as unpaid is not only inaccurate but also harmful to my credit profile and financial well-being. This constitutes a willful violation of the FCRA, as the agency has been made aware of the error and has chosen not to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: OH

Complaint narrative:
I am requesting a goodwill adjustment from XXXX XXXX for three late payments reported in 2025 across two auto loans. 

During that period, I was undergoing XXXX XXXXXXXX treatment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Despite these XXXX challenges, I continued making payments and never defaulted or had a vehicle repossessed. XXXX XXXX reporting of these payments as late does not reflect my overall payment history or financial responsibility. 

I have contacted XXXX XXXX Executive Office with supporting documentation ( XXXX letter and proof of payments ) but have not received a resolution. I am seeking the removal or re-aging of the three late payments under goodwill and XXXX hardship considerations. 

I am requesting that the CFPB ensure XXXX XXXX conducts a fair and expedited review of this matter in accordance with the FCRA and Equal Credit Opportunity Act.

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 2025-10-21 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am requesting a goodwill adjustment from Wells Fargo for three late payments reported in 2025 across two auto loans. 

During that period, I was undergoing XXXX XXXX  treatment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Despite these XXXX  challenges, I continued making payments and never defaulted or had a vehicle repossessed. Wells Fargos reporting of these payments as late does not reflect my overall payment history or financial responsibility. 

I have contacted Wells Fargos Executive Office with supporting documentation ( XXXX letter and proof of payments ) but have not received a resolution. I am seeking the removal or re-aging of the three late payments under goodwill and XXXX  hardship considerations. 

I am requesting that the CFPB ensure Wells Fargo conducts a fair and expedited review of this matter in accordance with the FCRA and Equal Credit Opportunity Act.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and any inaccuracies in reporting are both improper and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX continues reporting and attempting to collect on an alleged debt, which is inaccurate and causing significant harm - including preventing me from securing housing, obtaining credit, and maintaining a stable quality of life. Such actions constitute a violation of 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in the collection of a debt. Pursuant to 15 U.S.C. 1692g ( b ), I requested that the creditor provide full validation of the alleged debt. Under 15 U.S.C. 1692c ( c ), I also requested that the creditor cease all communication with me, except to confirm the collection efforts have been terminated, notify me of specific legal remedies they intend to pursue, or provide verification of the debt as required by law. I requested written confirmation that the agency has received the notice and that they have ceased all collection and reporting activities pending full validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: LEXISNEXIS
State: MS

Complaint narrative:
I have filed multiple complaints with the cfpb regarding LexisNexis investigative procedures regarding the transparency and accuracy. This is my 4th Notice to LexisNexis Risk Solutions regarding this matter and LexisNexis Risk Solutions have have refused to to provide the consumer with the requested documents regarding their investigative procedures on how the information they are reporting on me was verified. LexisNexis Risk Solutions failed to follow FCRA and instead ignored my demand with a claim of identity theft with i did not file or make. It has been 2 .months and LexisNexis Risk Solutions refuses to provide the consumer with their investigative procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: DailyPay, Inc
State: PA

Complaint narrative:
Ive been trying to transfer money and they said that I couldn't transfer due to failed transfers which I was told I had to wait 24 hours to access my money I earned I waited and tried. By law it has to be understandable and this is by far from understandable. I was mislead into believing that failed attempts wouldn't effect my status on my pending wait time and not to mention it doesn't even inform you that you reached your transfer limit also the app states when failed transfers are made that they went thru instead of stating they failed. I attached a screenshot of a failed transfer that states it approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AR

Complaint narrative:
I previously submitted a formal dispute under FCRA 611 ( 15 U.S.C. 1681i ) to challenge multiple inaccurate, incomplete, or unverifiable items appearing on my credit report. These include charge-offs, collections, and numerous inquiries associated with accounts that I either did not authorize or that lack proper verification. Specifically, I disputed accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts originally attributed to XXXXXXXX XXXX XXXX XXXX, which show questionable balances of {$0.00}, {$25000.00}, {$1400.00}, and {$740.00} respectively. In addition, there are numerous inquiries and trade lines from entities like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others that I did not authorize or that are connected to disputed accounts. Despite my good faith effort to initiate a proper dispute, the credit bureau failed to adequately investigate or remove these items as required by FCRA 611. Moreover, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), the credit reporting agency has a duty to ensure maximum possible accuracy of the information they report, which has clearly not been upheld in this case. Lastly, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from knowingly reporting inaccurate data, which I believe applies to several of these disputed entries.

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 2025-10-21 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: AR

Complaint narrative:
I previously submitted a formal dispute under FCRA 611 ( 15 U.S.C. 1681i ) to challenge multiple inaccurate, incomplete, or unverifiable items appearing on my credit report. These include charge-offs, collections, and numerous inquiries associated with accounts that I either did not authorize or that lack proper verification. Specifically, I disputed accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts originally attributed to XXXXXXXX XXXX XXXX XXXX, which show questionable balances of {$0.00}, {$25000.00}, {$1400.00}, and {$740.00} respectively. In addition, there are numerous inquiries and trade lines from entities like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others that I did not authorize or that are connected to disputed accounts. Despite my good faith effort to initiate a proper dispute, the credit bureau failed to adequately investigate or remove these items as required by FCRA 611. Moreover, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), the credit reporting agency has a duty to ensure maximum possible accuracy of the information they report, which has clearly not been upheld in this case. Lastly, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from knowingly reporting inaccurate data, which I believe applies to several of these disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: U.S. BANCORP
State: KS

Complaint narrative:
On XX/XX/year>, I got alert on my phone that there is XXXX payment of {$1300.00} going to someone on XX/XX/year>. I called us XXXX XXXX  Fraud department informed them that I did not initiated this payment and they have to reverse it. I had to close the account and they locked my internet banking at the time of reporting. 
They said they can not do any thing at the time but they would open up fraud case. 

After few weeks they send me a letter in mail telling that the case is closed and denied the claim with out any explanation. No explanations how they arrived to that conclusion or how this was researched or any evidence that was authorized by me or whom. 
I had to go through trouble of getting new account and new online banking and new checks and loss of the {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
I urgently request correction of this mistake by deleting the inaccurate late payment. My payment record is spotless, and this has caused me great XXXX

Company response to consumer: Closed with non-monetary relief