vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I AM THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX of THE XXXX XXXX  WHO HAS FILED THIS DISPUTE ON THIS DAY OF XXXX XX/XX/year>. THERE IS NO THIRD PARTIES INVOLVED IN THIS MATTER AT HAND. YOU WILL ALSO FIND THAT I HAVE SUBMITTED MY MOST RECENT UTILITY BILL, A COPY OF MY XXXX ID, AND A PICTURE OF MY SOCIAL SECURITY CARD. I THINK THIS WILL BE ENOUGH TO CONDUCT A THOROUGH INTERNAL INVESTIGATION INTO THIS MATTER AT HAND. 

I EXPECT CFPB TO DUE ITS DUE DILIGENCE IN CONDUCTING A THOROUGH INTERNAL INVESTIGATION INTO THIS MATTER AT HAND IMMEDIATELY!! ! XXXX UPON FILING DISPUTE XXXX I NOTICED THAT THE XXXX  ADDED MY BUSINESS NAME UNDER CONSUMER FINANCIAL PROTECTION BUREAU 'S NAME. MY DISPUTE INVOLVES ONLY CONSUMER FINANCIALPROTECTIONBUREAU!! ! XXXX, ALSO I REQUESTED INFORMATION ON MY DISPUTE XXXX AND XXXX  SAID THAT I NEVER REQUESTED INFORMATION, WHICH I HAVE PROOF XXXX!! ! XXXX THIS DISPUTE DOES NOT INVOLVE XXXX XXXX XXXX XXXX I REPEAT THIS DISPUTE DOES NOT INVOLVE 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 2025-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX and or credit card company decided to add interest on balance that was paid in full. When spoke to representative they also claimed that another charge will be done in XXXX for more interest. 

If this company is doing this to me, I whole heartedly believe they are doing this to thousands of people with these questionable predatory methods and making millions with no accountability. 

see below for history of transaction ; XX/XX/XXXX Description INTEREST CHARGE ON PURCHASES Status Posted Amount {$3.00} Type Payment DateXXXX XXXXXXXX Description PAYMENT Status Posted Amount- {$200.00} Type Fee DateXXXX  XXXX Description LATE FEE Status Posted Amount {$41.00}

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 monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of L J Ross Associates , Inc. Account Report Number : [ Insert Experian Report # ] To Whom It May Concern, I am formally disputing the accuracy of the L J Ross Associates , Inc. tradeline, listed as originating from XXXX XXXX XXXX XXXX This account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically : - The account is reporting as a collection despite showing a {$0.00} balance. 
- The furnisher has not provided documentation proving assignment and authority to collect. 
- The reporting misrepresents my credit profile and is incomplete. 

I request immediate deletion or correction of this account. Please provide the method of verification, including full documentation from the original creditor, as required under FCRA 611 ( a ) ( 7 ). 

Sincerely, XXXX XXXX L J Ross Associates , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Debt Validation Request This letter is a request for validation of the alleged debt you are reporting to the credit bureaus. Under the Fair Debt Collection Practices Act ( FDCPA ), you must provide : XXXX. Proof of assignment from XXXX XXXX XXXX. 
XXXX. Complete payment history and signed agreement. 
XXXX. Evidence you are licensed to collect in my state. 

Until such validation is provided, you must cease reporting and collection activity. 

Sincerely, XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report regarding the following account : Creditor : Bank of America Account Number : XXXX According to my XXXX  credit report, this account reflects 30-day late payments in XX/XX/XXXX and XX/XX/XXXX. This information is inaccurate, incomplete, and unverifiable. The account was paid in full and closed in good standing as of XX/XX/XXXX, as confirmed by Bank of America in writing. 

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of information contained in a consumers file. The continued reporting of unverifiable or inaccurate late payments directly violates this requirement and has caused harm to my creditworthiness.

Furthermore, under 15 U.S.C. 1681i ( a ), you are required to reinvestigate any disputed information and either delete or correct items that can not be verified within 30 days. If Bank of America can not provide verifiable documentation showing the exact dates and amounts of these alleged delinquencies, the disputed late payments must be permanently deleted from all credit reports under your control.

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 2025-10-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding WELLS FARGO BANK CARD s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. 
WELLS FARGO BANK CARD has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. WELLS FARGO CARD SER 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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Dave Operating, LLC
State: LA

Complaint narrative:
opened a checking account through Dave App. After some time, the account was closed without any clear reason or explanation provided to me. Following the closure, Dave continued to withdraw money from several of my linked debit or bank cards, charging service or membership fees even though my account had already been closed.

I contacted them multiple times to find out why my account was closed and to request a full account statement showing my balance at the time of closure. They have refused to provide me with that information or any documentation supporting the amount they claim was remaining in my account.

In addition, they have continued charging me fees from multiple cards even after the account was closed, which means they owe me refunds for every unauthorized fee they took after the closure date. Some of the bank accounts they pulled from are now closed, but they should still have a complete record of those transactions and reimburse me for every charge they took improperly.

I am requesting : 1. A written explanation of why my account was closed.

2. A full, detailed statement showing my final account balance at the time of closure.

3. A complete record of all fees charged after the account was closed.

4. A full refund for all unauthorized fees deducted from my cards after the closure.

This situation has caused unnecessary financial loss and frustration, and I have not been given any transparency or documentation to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I sent a certified letter to Affirm in XXXX of XXXX formally disputing the validity of the debt pursuant to fdcpa & fcra, Which they received and I have time an date stamped and signed confirmation of this. Affirm stated that they verified the debt as accurate and true. I then requested via letter that they provide me info on how they went about verifying this debt. I got no response. I sent them a 3rd letter telling them that I believed they were not acting in good faith as per the law and again requested they rectify this error and provide me verification. No response. I them forwarded the green certified mail receipt w time n date stamp to XXXX  explaining the situation. XXXX  told me that affirm verified the accuracy. I again asked for how they verified it. Which, methods they used etc. no response. I then sent another letter to affirm and an email as well informing them that not only have they failed to provide viable evidence of the debt and their verification methods, but they were now also in direct violation of the fcra by failing to provide a notice of dispute on my credit report within 30days of the date they received my request. Pursuant to afforementioned statutes, there can be no negative remarks on the credit file while that account is under dispute. I had obtained new copies of my credit report and confirmed with time and date stamps, that they failed to comply and we're in direct violation of federal law. I was making a final good will attempt to have them remedy this. Affirm then started emailing me stating they closed the dispute out and resumed attempting to collect the debt. I sent them cease and desist letters and offered them another opportunity to resolve this. They refused. Last week I drafted a final demand letter and requested a settlement check of {$3000.00} for damages for wilful noncompliance, negligence etc. I advised them that if they complied with my request, I would not bring lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SD

Complaint narrative:
We just purchased this home in XXXX our first payment wasnt due until XXXX first our loan was bought out by mortgage company Mr Cooper in XXXX we received notice they needed flood insurance I needed to reach out and research because when we purchased the home it was not required and we were not in the flood zone. I purchase flood insurance on XX/XX/year> where my insurance company called and informed Mr Cooper per their request. Today I received a notice that they forced insurance on us that we already purchased and notified them. The representative today said they didnt have the proper notice until XXXX. I was on the phone when my insurance company called and their letter doesnt state it needed to be in writing. It been a big scam and hassle with them. They also charged me XXXX for the insurance but only refunded escrow XXXX. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
The company has closed account and paid in full account as dispute options. I have been disputing the same account over and over and they just keep updating it and leaving it on my account. If closed account and paid in full are legitimate dispute reasons, then there is no reason why the account should be on my report. The account Credit acceptance, account number : Experian : XXXX TransUnion:XXXX Equifax : 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 2025-10-09 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: NC

Complaint narrative:
This serves as my fourth formal dispute regarding inaccurate and unverifiable information that continues to appear on my credit reports. Despite multiple prior disputes, these items remain unresolved and must now be permanently removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
The account reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a Balance Owed : {$7000.00} is listed as Charged Off, yet there has been no verification or evidence of a Form 1099-C, which is legally required for any canceled or forgiven debt above {$600.00}. This reporting error violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that all information reported by consumer reporting agencies must be accurate and verifiable. The ongoing publication of this unverifiable charged-off account has caused continuous and unjust harm to my creditworthiness, and I now demand its immediate and permanent deletion from all three bureaus. 
Furthermore, two unauthorized inquiriesXXXX XXXX dated XXXX XXXX XXXX dated XX/XX/year> and XXXX XXXX dated XXXXon my reports without my consent. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), a consumer report may only be obtained for a permissible purpose, and no such authorization was ever provided by me. Additionally, under FCRA 605B / 15 U.S.C. 1681c-2, unverifiable or unauthorized information must be permanently removed from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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 serves as my fourth formal dispute regarding inaccurate and unverifiable information that continues to appear on my credit reports. Despite multiple prior disputes, these items remain unresolved and must now be permanently removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
The account reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a Balance Owed : {$7000.00} is listed as Charged Off, yet there has been no verification or evidence of a Form 1099-C, which is legally required for any canceled or forgiven debt above {$600.00}. This reporting error violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that all information reported by consumer reporting agencies must be accurate and verifiable. The ongoing publication of this unverifiable charged-off account has caused continuous and unjust harm to my creditworthiness, and I now demand its immediate and permanent deletion from all three bureaus. 
Furthermore, two unauthorized inquiriesXXXX XXXX dated XXXX XXXX XXXX dated XX/XX/year> and XXXX XXXX dated XXXXon my reports without my consent. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), a consumer report may only be obtained for a permissible purpose, and no such authorization was ever provided by me. Additionally, under FCRA 605B / 15 U.S.C. 1681c-2, unverifiable or unauthorized information must be permanently removed from my record.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
My mortgage was originally serviced by Wells Fargo, who failed to pay my property taxes despite my timely mortgage payments, which included escrow for taxes. In XX/XX/year>, my mortgage was transferred to XXXXXXXX XXXX Since then, I have had multiple phone conversations with representatives from both Wells Fargo and XXXX XXXX, but neither company has taken responsibility for the unpaid taxes. 

All conversations were recorded. During these interactions, I encountered unprofessional and discourteous behavior from staff members at both institutions. As a single mother who lost my husband while he was serving in the military, this situation has placed me under significant emotional and financial stress. 

Due to the unpaid taxes, my home is now at risk of being taken by the state and auctioned. I have been informed that I must pay approximately {$3000.00} by XX/XX/year>, to prevent this action. I have already missed several days of work to address this issue, which has further impacted my financial stability. Unfortunately, I can not afford legal representation and urgently need assistance resolving this matter.

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 2025-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposit money next day something else came out next day and they this charging me a overdraft fee

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding Chime 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
PLEASE BLOCK AND REMOVE. 
This account does not belong to me and should be deleted promptly. I never approved it. Proof is included.

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