vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-06-20 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: MI

Complaint narrative:
These accounts were charged off on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since then the accounts have repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these accounts properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
account number : XXXX account number : 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 2025-06-20 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: AZ

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-20 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-20 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: NY

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 NY XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: FL

Complaint narrative:
There was a Breach of Information ( FERPA ). My education records were shared without my consent, violating federal privacy laws. Please investigate and remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking account with BMO Bank online on XX/XX/year>. To fund the account, I linked my XXXX checking account ( ending in XXXX ) and successfully transferred money. Strangely, the confirmation email from BMO said the transfer came from a XXXX account ending in XXXXwhich Ive never owned. I didnt notice the error at first because the funds were correctly withdrawn from my real XXXX account. 

A few days later, the money appeared in my BMO account. But suddenly, on XX/XX/XXXX, I was locked out of my online banking. I called customer service, and they said my account had multiple phone numbers listed, which caused the lockout. ( It was actually the same number listed multiple times, which I didnt enter. ) They said it was fixed. 

So I transferred another {$3000.00} to my BMO account that same day, trusting the issue was resolved. But again, the confirmation email listed the wrong XXXX account number ( XXXX ). My account got locked once more. I called again, explained everything, and told them I believed this was a technical error in their system. I asked to close my account because I no longer trusted the platform. 

Instead of closing my account, BMO froze it and asked me to prove that the XXXX account was mine. I sent XXXX statements showing the funds came from my account ( XXXX ) not XXXXbut heard nothing back. I even went to a local branch, but they said they couldnt help because it was an online account. 

I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), and eventually, on XX/XX/XXXX, BMO mailed me a letter saying my account would be closed by XX/XX/XXXX and that a certified check would be sent to return my balance. 

That check never came. 

When I called, BMO told me that letter was just " standard wording '' and that my funds were being held in their claim department. They said the sending banks had to recall the money. 

So I worked with XXXX, who helped initiate a recall. But after XXXX processed the recall, my BMO account became overdrawn, and BMO then sent me a letter dated XX/XX/XXXX saying I now owe them moneyfor the same funds XXXX already reclaimed! 

To make it worse, my payroll deposits from XXXX and XXXX were also sent to BMO. Since my employer uses a payroll system through XXXX XXXXXXXX XXXX, the funds cant be recalled directly. The payroll company submitted a Letter of Indemnity to BMO, but has received no response.

Now Im stuck.

I never received any of my money back.

Im being told I owe BMO for money that they never returned.

My BMO account is overdrawn.

My payroll is still missing.

This has caused an enormous amount of XXXX, wasted time, and financial hardshipand all of it stems from BMOs internal system error and poor handling.

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 2025-06-20 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I visited the XXXX XXXX XXXX website to verify whether Credit Collection Services is licensed to operate in my state before attempting to negotiate a payment arrangement with them. Upon review, I noticed that they are not licensed to operate in the state of Florida, where I reside. 

Im concerned about the legality of their collection efforts and would like clarification on whether they are permitted to collect debts in Florida without a proper license. 

Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I have my vehicle financed through Westlake Financial Services. I made a XXXX dollar lump sum payment to Westlake by cashiers check and they are saying they never recieved the payment. I contacted my bank and they said the check has been cashed.I have contacted Westlake multiple times only to be told they dont see payment. We continued to call again, my daughter and I an were told they would open an investigation to track down the payment and to call back at the end of the week for an update. Come end of the week, we call and they are back to saying they dont have payment and can't do anything. This isn't right. I need assistance as to what to do next this is really frustrating. I have a copy of the check from my bank with information of the check and where it was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: OK

Complaint narrative:
Round point Mortgage received our payoff on XX/XX/XXXX. As of this date, they have not refunded the balance sitting in our escrow account in the amount of {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting XXXX XXXX accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

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 non-monetary relief
Consumer complaint received 2025-06-20 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:
This is a formal dispute regarding fraudulent accounts listed under my name. I did not open, authorize, or have any affiliation with these accounts. I request that they be removed from my credit report immediately. As per 15 U.S. Code 1681g, I am requesting deletion within 15 days. Please find enclosed documentation to validate this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: OR

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$90.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00}

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX  has a closed account on my report it was sent to another company. I asked the original debtor to remove it since it was sent to a third party if I was to pay them. They stated they will remove it but, nothing has been done. This situation has been ongoing for quite some time now. The debt has been paid in full, please remove from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MO

Complaint narrative:
Subject : Request for Deletion of Unverifiable Account XXXX XXXX XXXX. 
To Whom It May Concern, I am writing to formally dispute the continued reporting of an account listed under XXXX XXXX XXXX Account # XXXX on my Experian consumer credit report. According to a written communication I have received directly from XXXX XXXX XXXX, they no longer own the account in question. They have clearly stated that the account was sold and transferred to another entity, and they do not currently report this account to any credit reporting agency, including Experian. 
I submitted a prior dispute regarding this matter. In response, Experian claimed the account had been verified. However, as stated above, XXXX has confirmed they do not report this account, do not have ownership of it anymore, and therefore can not respond to or investigate any disputes about it. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), when a disputed item can not be verified, the credit reporting agency must delete that item from the consumers file. Since this account can not be verified at its source and the current data furnisher has no relationship with the account anymore, this item is unverifiable and must be permanently removed from my Experian credit report. 
I am requesting immediate deletion of the XXXX XXXX XXXX Account # XXXX account from my consumer file. Please update me with written confirmation of this deletion. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX [ Enclosures : XXXX of email from XXXX stating non-reporting and account transfer ( optional ) ]

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal la

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint because I was the victim of a bank impersonation scam, and Wells Fargo has repeatedly denied my fraud claim, despite clear evidence that I was manipulated by scammers impersonating bank representatives. 

Summary of the Issue : On XX/XX/XXXX and XX/XX/year>, two unauthorized money transfers totaling {$9900.00} were made from my Wells Fargo account to an XXXX XXXX  Balance. The individuals responsible impersonated Wells Fargo employees using spoofed phone numbers and convincingly guided me through what I believed were security procedures to protect my account. 

I was completely unaware that I was transferring money to scammers. I did not voluntarily initiate or authorize these transactions in any informed or meaningful way. This is a textbook example of a social engineering scam. 

What Wells Fargo Told Me : Wells Fargo completed its claim investigation and responded that the transactions were " authorized '' and that no processing error occurred. They concluded that either I or someone authorized by me completed the transactions and therefore they will not reimburse me. 

This response ignores the fact that fraudulent consent gained through impersonation is not true authorization. I am appalled that Wells Fargo is denying responsibility in a case where scammers posed as their own employees. 

Why Im Filing This Complaint : I followed all proper steps to report the fraud as soon as I became aware. 
I have asked Wells Fargo to provide documentation of how they determined the transactions were authorized, but they have not yet done so. 
Their refusal to escalate or re-review the case in light of bank impersonation is unacceptable. 
I trusted my bank to protect me from fraud and to support me as a victimnot blame me. 
What I Am Requesting : That Wells Fargo reopen my claim and conduct a full investigation considering the scam context. 
That Wells Fargo reimburse me for the stolen funds under the bank 's consumer protection and fraud policies. 
That they provide all internal documentation used to make their denial decision. 
I have also reported this crime to the FTC and am willing to provide supporting documentation if needed. 

Thank you for your attention to this matter. 

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