vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: NY

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX INQUIRIES XXXX XXXX Date : XX/XX/year>

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 2025-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: SC

Complaint narrative:
I'm not liable for this debt with Rent Debt Automated Collect that's on my credit report. I do not have a contract with Rent Debt Automated Collect. I requested that they provide me with the original contract and have never received it. Therefore I disputed it with XXXX XXXX XXXX XXXX so it could be removed from my credit report and it is still on there and the debt is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2400.00} INQUIRIES : XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX  Date : 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 2025-08-07 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX XXXX  XXXX ) for deceptive and misleading reporting.

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 2025-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am writing to file a formal complaint against Wells Fargo Home Loans regarding their refusal to refund {$18000.00} associated with a partial claim from XX/XX/XXXX. This is my fifth request for assistance from the CFPB on this matter, following previous complaints under IDs XXXX ( submitted XX/XX/XXXXXXXX  ), XXXX ( submitted XX/XX/XXXX ), XXXX ( submitted XX/XX/XXXXXXXX  ), and XXXX ( submitted XX/XX/XXXX ). I have also contacted Wells Fargo over ten times by phone without resolution. 

Wells Fargo claims that a Subordinate Deed of Trust was recorded under Book : XXXX Page : XXXX. However, I have provided two screenshots from XXXX XXXX XXXX that contradict this. One screenshot shows no entries from XXXXXXXX specifically no entries from XXXX  related to the deed, no liens, and nothing pertaining to the promissory note from XXXX. The other screenshot displays eight lien release documents sent to XXXX XXXX XXXX, none of which show a lien from XXXX. Furthermore, I have a screenshot from XXXX  XXXX XXXX demonstrating that " Book XXXX Page XXXX '' ( as Wells Fargo stated ) does not exist. 

Wells Fargo has provided a modification document, but not an actual lien filed with the state for the XX/XX/XXXXXXXX  modification. My attorney and real estate agent have both confirmed that there was no lien for {$18000.00}. Despite this overwhelming evidence, Wells Fargo continues to deny any wrongdoing, stating they have reviewed the information and found no error, and that they followed their policies, procedures, and all state and federal laws and regulations. Their response also included an irrelevant point about escrow funds and tax payments. 

The original mortgage was for {$200000.00}, yet we paid back {$250000.00} when the house was sold. Wells Fargo 's continued refusal to acknowledge the lack of a properly filed lien and to refund the {$18000.00} is unacceptable.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not a mistaken complaint I am fully aware that my credit report contains serious inaccuracies that do not meet the standard of maximum possible accuracy as required by law. These errors are severely affecting my life, and I can not overstate the impact they are having on my financial and personal well-being.

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 2025-08-07 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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

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 2025-08-07 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding collection account inaccurately appearing on my credit report, The account in question is listed under XXXX XXXX XXXX with an open balance of {$960.00} and reported as a collection account. This account was previously disputed and successfully removed from one or more of my credit reports due to inaccuracies and/or lack of validation. However, the account has recently been reinserted without proper notice or a valid investigation. The original creditor was XXXX and it appears the debt may have been sold or transferred to XXXX XXXX XXXX. I was not provided proper validation of this debt by XXXX XXXX, nor was I given the legally required five-day notice prior to reinsertion as required by the For Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ). Additionally under the Fair Debt Collection Practices Ave ( FDCPA ), 15 U.S. Code 1692g, am entitled to a full complete validation of the debt, including : A detailed breakdown of the amount alleged The name and address of original creditor Proof of assignment or ownership of the debt XXXX XXXX XXXX A copy of any contract bearing my signature As of today, I have not received any of this documentation. 

I request that CFPB to investigate this matter as a violation of both the FCRA and FDCPA. I am requesting the immediate removal of this account from all consumer reporting agencies unless the furnisher can provide full validation, proof of legal assignment, and evidence of proper reinsertion procedures. Please find attached a screenshot of the account from my credit monitoring report relevant details. 

Thank you for your assistance in protecting consumers from unfair and inaccurate credit reporting. 

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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
b"I just got off work. A XXXX XXXX XXXX They said they was chime Bancorp. And some1 tried using my card in Oklahoma & did I make this transaction.I hung up on them and called chime.  XXXX XXXX XXXX they say to verify it's me press one and ill receive a call back. I pressed 1 it hung up. Chime number calls me back. They explain my card was trying to b used in XXXX XXXX XXXX  That they need to do a profile update and that I needed to transfer my money to my new account gave me XXXX XXXX XXXX  I did. After it went thur I asked why it said eunyia he said it was being put in my account. He said I still had XXXX left I need to transfer to same number I did. He said id see my money n my account by 1st thing in am & I didn't but chime number called back cause they were worried bout my direct deposit coming n that day. I asked bout my money they hung up after i told them I canceled my direct deposit thur my work. Ive called chime got a police report. Ive filed thur federal money fraud. Some1 called from chime number like theri recording said. Help"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a dental procedure done. The bill was XXXX on XXXX XXXX. I was offered a payment plan. Naturally I signed up for the automated payment plan. Just recently, I noticed that I started being charged, interest fees from the previous payment I made plus interest fee every month that I was making a payment. I reached out to the billing company Care credit Synchrony, and I was told that there was a two year expiration of that payment plan offer and they increase the interest after two years. I was never notified of this increase before and they will defer the past interest payments on payments i had already made. There might have been some fine print, but I was never aware of this. I attached a letter I recently received saying my payment plan promo period has expired. I never got this letter in the past, I only received it now after I opened the case. When I reached out to the company that I am trying to see my online account to know exactly what I paid, they are saying that I cant have online access. Since I closed the account XXXX wont be able to see any of the information online. The payment plan, the way I understand it, is supposed to accommodate the payee, not to trap them into paying unexpected interest that they never intended to. After verbalizing my complaint with the dental company they notified me that many patients are complaining about this exact issue. I tried reaching out and settling this with the billing company, Synchrony but they stubbornly refused to negotiate it. They insisted that I must pay this raised interest in full. I reach out to you now to please help me from a legal standpoint. From what I was told this is illegal to spring on someone these surprise raises. As a mother of XXXX children and being the only employed member of the household, this added payment really puts be back considerably financially. I appreciate your interest and help in this matter. 

Thank You very much.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-07 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: AZ

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$950.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$390.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$71.00}

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 explanation
Consumer complaint received 2025-08-07 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXXXXXX XXXX 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 2025-08-07 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: MI

Complaint narrative:
Pursuant to the fair credit reporting act ( far ) 611, I have the right to dispute any item I believe to be inaccurate or unverifiable.Furthermore, under the ucc-3-501 : I am demanding presentment and proper notice of dishonor for the alleged obligation.

Ucc-9-210 : I request a full accounting and itemized breakdown of any alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
Pursuant to the fair credit reporting act ( far ) 611, I have the right to dispute any item I believe to be inaccurate or unverifiable.Furthermore, under the ucc-3-501 : I am demanding presentment and proper notice of dishonor for the alleged obligation.

Ucc-9-210 : I request a full accounting and itemized breakdown of any alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FB FINANCIAL CORPORATION
State: FL

Complaint narrative:
FirstBank mortgage is marking complaints inside the CFPB as duplicate even though the complaint IS NOT A DUPLICATE. The CFPB needs to investigate FirstBank mortgage and the way its handling complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: GA

Complaint narrative:
only lies from ssa and XXXX XXXX, fake ups tracking, card was never mailed, then assured it would be deposited in bank account but wasnt on the XXXX.

Company response to consumer: Closed with monetary relief