vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I received a cellphone call about XXXXXXXX XXXX  on Monday XX/XX/year>. Chase bank came up on my caller ID. The person calling me said he was with the Chase fraud department and wanted to know if I had sent an approximately {$2000.00} XXXX payment to a person in Texas. He asked my name and birthday to verify that I was XXXX XXXX just like the real Chase employees ask me when I call to discuss my account. 
He wanted to walk me through on my phone how to stop the XXXX transaction. We went through the steps and what he was actually doing was confirming the XXXX transaction. Consequently, the XXXX transfer of funds proceeded. He told me that within XXXX ( XXXX ) hours the money would be returned into my account. 

The amount taken was {$1900.00} which was the balance of my social security check. Consequently, I did not have enough money to pay any of my bills including my mortgage and utility bills, as well as credit cards and other expenses. 

I waited until the afternoon and checked my account. No money was returned. I called the Chase XXXX department who told me that they did not have a claim on file for me at that time. So, I filed a claim with the real Chase Fraud employee. The claim number was XXXX. I was told to wait XXXX ( XXXX ) business days. 

On XX/XX/year> I contacted XXXX XXXX  ( my cellphone provider ) to search the call history on my cellphone. I was shown how to access the call log history. The callers phone number XXXX was made at XXXX XXXX  and lasted XXXX minutes. I screen shot the page and emailed it to XXXX. 

On XXXX XXXX, I received another phone call that the caller ID said Chase Fraud department. I took the call so that XXXX XXXX would record the telephone number. This time the telephone number was XXXX. I called the Chase Fraud department and reported this telephone number. I told the Chase person that I would help them get access into my XXXX XXXX  account to verify the telephone number. 

On Friday, XX/XX/year>, I called and was told the claim was denied because I participated, and the XXXX receiving bank reported to Chase that the receiver ( XXXX XXXX ) had taken out the money and closed the account. So XXXX through their hands up and said no to returning my money. 

On XX/XX/XXXX I filed a second claim with the Chase Fraud Department. The claim number is XXXX. This claim was written up a little differently so the claim would be reopened. The Chase claim assistant was help in getting the claim reviewed a second time. 
I waited to report this because the Chase Fraud team has successfully retrieved money before for me. I have confidence in their team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My XXXX XXXX XXXX payment was scheduled with the agent who did not schedule it correctly causing me to get late fees and late reporting

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-08 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al XXXX XXXX To XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting under FCRA Request for Correction Dear Credit Bureau Representative, I am writing to formally dispute inaccurate information listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 ( a ), which obligates data furnishers to report accurate and complete information. I recently obtained copies of my credit report and noticed discrepancies concerning the payment history for the following closed accounts : XXXXXXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Highest Balance : {$1600.00} Reported Payment Issues : Missed Payments to Dispute : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ) These payments were not missed, and I am requesting they be updated to reflect paid on time. 



XXXX. XXXX Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Highest Balance : {$1100.00} Reported Payment Issues : Missed Payments to Dispute : XX/XX/XXXX ( XXXX XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) These records are inaccurate. I am requesting correction of these entries to paid on time. 



Under FCRA 1681i, I am requesting that your agency conduct a reinvestigation of the information being reported for the above-mentioned accounts. These late payment notations are harming my credit profile and were reported inaccurately. I have attached screenshots and supporting documentation for your review.

Furthermore, as the account balances have been paid in full and closed, and since no accurate verification of the late payments can be provided by the data furnisher, I request the inaccurate late payments be removed and updated to reflect timely payment status. 

Please complete the reinvestigation within the required 30-day period and provide me with an updated copy of my credit report upon completion. In addition, please provide the name, address, and phone number of each data furnisher that was contacted during your investigation.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX UCC-1-308 Without Prejudice

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 2025-04-08 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : 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 non-monetary relief
Consumer complaint received 2025-04-08 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX a criminal deposited a fraudulent XXXX XXXX  check for {$5600.00} into my Wells Fargo account using my name and account number and withdrew {$4100.00} in cash at the teller at Wells Fargo XXXX VA location on XXXX XXXX. This branch is

2.5 hours from my home and we never used this branch. The teller who handed all this cash over initialed the bank slips as XXXX or possibly XXXX. The handwriting entering my name, address and account number is the same on both bank slips.

The criminal then withdrew another {$4000.00} in cash at the same branch and same teller for a total {$8100.00} cash removed from my account.

Wells Fargo noticed the check was fraudulent on XX/XX/XXXX and withdrew the {$5100.00} check amount from our account but did not contact us on any urgent basis.

Because we recently moved to a new home, we had many large money movements in our account during XXXX XXXX and did not notice the missing funds until XX/XX/XXXX. We filed a claim with WF on the same day. Wells Fargo denied the claim saying that we did not file within
30-60 days of the event. WF has criminal tellers handing out cash to check fraudsters and they are not alerting their customers, instead leaving their customers on the hook.

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 2025-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Hi, I am writing to formally report a fraudulent incident involving my XXXX XXXX account. I initially sent money from my Robinhood account to my XXXX XXXX. While using the XXXX feature in the XXXX XXXX app, I entered XXXX link, which allowed me to open a wallet in XXXX. 



I currently have {$16000.00} in my XXXX XXXX. However, when I attempted to withdraw my funds, the transaction did not go through. Upon contacting XXXX  online chat support, I was informed that I must reach a {$20000.00} volume wallet balance before I can withdraw my money. This condition was never disclosed when I initially used the platform and is clearly an attempt to scam users. 



I have gathered substantial evidence, including screenshots of the conversations and transaction attempts, to support my claim. Additionally, I have discovered that a fraudulent website XXXX XXXX XXXX XXXX XXXX  is impersonating XXXX, which may be part of this scam. 

I created XXXX  complaints and here is the case ID for each individual company i dealt with : XXXX  -- -> Case ID : XXXX Trust Wallet -- -> Case ID : XXXX Robinhood -- -> Case ID : XXXX I urgently seek guidance on the next steps I can take to recover my funds. Please let me know : If there is any legal action I can pursue to reclaim my money. 
If there are any agencies or financial institutions that can intervene on my behalf. 
What additional steps I should take to report and prevent this scam from affecting others. 




I appreciate your time and assistance. Please let me know how I should proceed. 



Best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX the mortgage servicer Mrcooper.com showed for my loan that two additional payments were due, which would be paid via the normal payments / amortization schedule. Then on XX/XX/XXXX when I logged into the website, it showed they had pulled a payment from my account for principal only, and paid off the loan. I also had {$12000.00} in escrow funds with them, that was required to be paid for insurance on my home by XX/XX/XXXX. They paid off the loan without warning me, which gave them the opportunity to " tie up '' my escrow precisely when it was needed. They are saying they won't remit to me before XX/XX/XXXX or so. They are saying they " have to '' issue a check and mail it, only on or after XX/XX/XXXX. They also tried to lie to me and say my insurance was not due on XX/XX/XXXX. Further they tried to lie to me saying they are " legally required '' to hold on to the escrow funds for 21 days. They have repeatedly asked me to do things like send them a voided check or a bank statement, trying to make it look like they are waiting on me to return the escrow funds. I just want my funds to be sent to the insurance company. I don't even care if they pay me. They want to hold it in their escrow department, but they are now unwilling to send the funds to insurance on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have attempted to dispute these charges with the credit bureaus as I do not own this amount nor are they attempting to collect the correct amount. I have requested proof that this debt is owed including dates, my signature agreeing to pay this amount and a break down with no success,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Balance {$4800.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2025-04-08 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:
I recently reviewed a copy of my credit report and noticed l have a fraudulent account on my report from XXXX XXXX  in the amount of XXXX. This account is hurting my credit and preventing me from acquiring credit.

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 2025-04-08 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : UNKNOWN ACCOUNT XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I am filing a complaint regarding an auto loan account with XXXX XXXX XXXX XXXX opened XX/XX/XXXX ). This account was charged off years ago but continues to be reported inaccurately and in direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 



First, the account continues to show monthly XXXX XXXX XXXX XXXX notations into XXXX, which is known as re-aging an illegal practice that artificially extends the time negative items remain on a credit report. This account should be scheduled for removal XXXX years from the original delinquency in XXXX not XXXX, as Experian is currently reporting. 



Second, XXXX XXXX XXXX recently attempted to quietly update the account as closed between XX/XX/XXXX and XX/XX/XXXX, as seen on my Equifax report. This account should have been marked closed YEARS ago. These updates appear to be an effort to conceal the continued inaccurate and damaging reporting. 

The reporting is messy, inconsistent, and deceptive. It is clearly being manipulated to harm my credit longer than the law allows. I have attached before-and-after screenshots showing the monthly XXXX updates, balance inconsistencies, and the sneaky closure attempt. 


I asked you to do it twice and your neglect has violated my rights I am demanding a deletion of the following account number : XXXX | account name : 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 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
I had contacted a XXXX XXXX help program ( XXXX XXXX. They sent a check to the mortgage company, they then rejected the payment. Wouldnt let me make a payment because of the rejected payment and put my mortgage in foreclosure.

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